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

County · Flood risk

Check any address in Union County

Quick facts

Homes on the tax roll

2,812

Residential parcels on the Florida Department of Revenue roll

FEMA flood map in effect

Nov 2018

First flood map 1988

Flood insurance discount

None

Union County isn't in the Community Rating System

Most flood claims in one storm

5

Hurricane Irma 2017, 4 paid

Homes with water, FEMA aid

44

Aid registrations reporting water inside, Hurricane Irma 2017

Past storms in Union 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 Union County
StormClaimsPaidAid, water inside
Hurricane Irma 20175444

Frequently asked questions

Do I need flood insurance in Union 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 Union County took effect on November 2, 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 Union County last updated?

The flood map in effect for Union County took effect on November 2, 2018. The county's first flood map dates to August 4, 1988.

Is there a flood insurance discount in Union County?

Union 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 Union County the most?

By National Flood Insurance Program claims across Union County, the worst recent storms were Hurricane Irma 2017 (5 claims, 4 paid) and Hurricane Debby 2024 (1 claim, 1 paid). After Hurricane Irma 2017, 44 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.

What causes flooding in Union County?

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 Northeast Florida are Hurricane Matthew 2016, Hurricane Irma 2017, Hurricane Ian 2022, Hurricane Nicole 2022, Hurricane Idalia 2023, Hurricane Helene 2024, and Hurricane Milton 2024. Union County has 2,812 homes on the state tax roll.

Union County is Florida's smallest county by area, in north Florida between Gainesville and Jacksonville.

Union County has 2,812 homes on the state tax roll. The FEMA flood map in effect for Union County took effect on November 2, 2018; the county's first flood map dates to 1988. The storm that left the most flood insurance claims in the county was Hurricane Irma 2017, with 5, followed by Hurricane Debby 2024 with 1. Union 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 Northeast Florida are Hurricane Matthew 2016, Hurricane Irma 2017, Hurricane Ian 2022, Hurricane Nicole 2022, Hurricane Idalia 2023, Hurricane Helene 2024, and Hurricane Milton 2024.

Search any address in Union 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 (preliminary 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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