FloodMaps
Map of FEMA flood zones in Sumter CountyTap the map to explore

County · Flood risk

Check any address in Sumter County

Quick facts

Homes on the tax roll

84,658

Residential parcels on the Florida Department of Revenue roll

FEMA flood map in effect

Jun 2020

First flood map 1982

Flood insurance discount

25% off

Sumter County, Community Rating System Class 5

Most flood claims in one storm

34

Hurricane Milton 2024, 27 paid

Homes with water, FEMA aid

200

Aid registrations reporting water inside, Hurricane Milton 2024

Sinkhole reports

45

Florida Geological Survey, mostly unverified

Past storms in Sumter County

National Flood Insurance Program claims and FEMA aid registrations that reported water inside the home, for the whole county.

Flood claims and FEMA aid by storm in Sumter County
StormClaimsPaidAid, water inside
Hurricane Irma 2017177117
Hurricane Milton 20243427200

Frequently asked questions

Do I need flood insurance in Sumter County?

Lenders require flood insurance on a federally backed mortgage when the building is in one of FEMA's high-risk zones, the ones starting with A or V. The map that sets those zones in Sumter County took effect on June 5, 2020. Outside those zones insurance is optional, but claims come from moderate- and low-risk zones too, so it's worth checking the zone and the floor height of the exact home.

When was the FEMA flood map for Sumter County last updated?

The flood map in effect for Sumter County took effect on June 5, 2020. The county's first flood map dates to March 15, 1982.

Is there a flood insurance discount in Sumter County?

Sumter County is in FEMA's Community Rating System at Class 5, which takes 25% off National Flood Insurance Program premiums for policies inside the high-risk flood zone. Classes run from 10 to 1, and each step down adds 5% off.

Which storms flooded Sumter County the most?

By National Flood Insurance Program claims across Sumter County, the worst recent storms were Hurricane Milton 2024 (34 claims, 27 paid), Hurricane Irma 2017 (17 claims, 7 paid), and Hurricane Nicole 2022 (1 claim, 0 paid). After Hurricane Milton 2024, 200 FEMA aid registrations in the county reported water inside the home. Claims only count insured homes, so the real number of flooded homes is higher.

Are there sinkholes in Sumter County?

The Florida Geological Survey has 45 subsidence reports on file for Sumter County. Most reports were never verified, and a report near a home doesn't mean the ground under it is unstable. The full report lists the nearest ones.

Sumter County is inland, home to most of The Villages, with the Withlacoochee River on its west side.

Sumter County has about 84,700 homes on the state tax roll. The FEMA flood map in effect for Sumter County took effect on June 5, 2020; the county's first flood map dates to 1982. The storm that left the most flood insurance claims in the county was Hurricane Milton 2024, with 34, followed by Hurricane Irma 2017 with 17. Sumter County is in FEMA's Community Rating System at Class 5, which takes 25% off National Flood Insurance Program premiums for policies inside the high-risk flood zone.

Away from the coast, flooding comes from rain: rivers that rise for days after a tropical storm, lakes and low basins that fill, and closed depressions that drain slowly into the ground. The storms we track for Central Florida are Hurricane Matthew 2016, Hurricane Irma 2017, Hurricane Ian 2022, Hurricane Nicole 2022, Hurricane Helene 2024, and Hurricane Milton 2024.

Search any address in Sumter County for a free report: its FEMA flood zone and whether insurance is required, its risk level, and its floor height against the flood line. The full report adds a 0 to 100 risk score, the flood insurance cost, the home's record in each storm we track, and a PDF to share.

Compiled by FloodMaps from FEMA, state, and county records. Data dates: 2026 county tax roll (final values); flood claims and FEMA aid for storms from 2016 through Hurricane Milton (October 2024); FEMA map dates and insurance discounts as of October 8, 2026.

Nearby counties

Florida Flood News & Updates