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Map of FEMA flood zones in Suwannee CountyTap the map to explore

County · Flood risk

Check any address in Suwannee County

Quick facts

Homes on the tax roll

13,765

Residential parcels on the Florida Department of Revenue roll

FEMA flood map in effect

Aug 2018

First flood map 1988

Flood insurance discount

None

Suwannee County isn't in the Community Rating System

Most flood claims in one storm

47

Hurricane Debby 2024, 45 paid

Homes with water, FEMA aid

466

Aid registrations reporting water inside, Hurricane Debby 2024

Sinkhole reports

213

2 confirmed by the state

Past storms in Suwannee 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 Suwannee County
StormClaimsPaidAid, water inside
Hurricane Irma 20173125
Hurricane Idalia 20231036
Hurricane Debby 20244745466
Hurricane Helene 20243082

Frequently asked questions

Do I need flood insurance in Suwannee 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 Suwannee County took effect on August 28, 2018. 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 Suwannee County last updated?

The flood map in effect for Suwannee County took effect on August 28, 2018. The county's first flood map dates to January 6, 1988.

Is there a flood insurance discount in Suwannee County?

Suwannee County takes part in the National Flood Insurance Program but isn't in FEMA's Community Rating System, so NFIP policies there get no community discount. Classes run from 10 to 1, and each step down adds 5% off.

Which storms flooded Suwannee County the most?

By National Flood Insurance Program claims across Suwannee County, the worst recent storms were Hurricane Debby 2024 (47 claims, 45 paid), Hurricane Irma 2017 (3 claims, 1 paid), and Hurricane Helene 2024 (3 claims, 0 paid). After Hurricane Debby 2024, 466 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 Suwannee County?

The Florida Geological Survey has 213 subsidence reports on file for Suwannee County, 2 of them confirmed as true sinkholes. 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.

Suwannee County is in north Florida between the Suwannee and Santa Fe rivers.

Suwannee County has about 13,800 homes on the state tax roll. The FEMA flood map in effect for Suwannee County took effect on August 28, 2018; the county's first flood map dates to 1988. The storm that left the most flood insurance claims in the county was Hurricane Debby 2024, with 47, followed by Hurricane Irma 2017 with 3. Suwannee County takes part in the National Flood Insurance Program but isn't in FEMA's Community Rating System, so NFIP policies there get no community discount.

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 the Big Bend are Hurricane Hermine 2016, Hurricane Irma 2017, Hurricane Michael 2018, Hurricane Idalia 2023, Hurricane Debby 2024, and Hurricane Helene 2024.

Search any address in Suwannee 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.

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