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

County · Flood risk

Check any address in Walton County

Quick facts

Homes on the tax roll

58,410

Residential parcels on the Florida Department of Revenue roll

FEMA flood map in effect

Dec 2020

First flood map 1977

Flood insurance discount

20% off

Walton County, Community Rating System Class 6

Most flood claims in one storm

177

Hurricane Sally 2020, 128 paid

Homes with water, FEMA aid

122

Aid registrations reporting water inside, Hurricane Sally 2020

New FEMA maps

Preliminary

Draft zones FEMA has released for review

Sinkhole reports

5

Florida Geological Survey, mostly unverified

Past storms in Walton 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 Walton County
StormClaimsPaidAid, water inside
Hurricane Michael 201841121
Hurricane Sally 2020177128122

Frequently asked questions

Do I need flood insurance in Walton 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 Walton County took effect on December 30, 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 Walton County last updated?

The flood map in effect for Walton County took effect on December 30, 2020. The county's first flood map dates to November 16, 1977. FEMA has released preliminary maps for parts of the county; they don't change insurance requirements until they're adopted and take effect.

Is there a flood insurance discount in Walton County?

Walton County is in FEMA's Community Rating System at Class 6, which takes 20% 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 Walton County the most?

By National Flood Insurance Program claims across Walton County, the worst recent storms were Hurricane Sally 2020 (177 claims, 128 paid), Hurricane Michael 2018 (41 claims, 12 paid), and Hurricane Hermine 2016 (1 claim, 0 paid). After Hurricane Sally 2020, 122 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 Walton County?

The Florida Geological Survey has 5 subsidence reports on file for Walton 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.

Walton County stretches from the Alabama line to the Gulf beaches of South Walton.

Walton County has about 58,400 homes on the state tax roll. The FEMA flood map in effect for Walton County took effect on December 30, 2020; the county's first flood map dates to 1977. The storm that left the most flood insurance claims in the county was Hurricane Sally 2020, with 177, followed by Hurricane Michael 2018 with 41. Walton County is in FEMA's Community Rating System at Class 6, which takes 20% off National Flood Insurance Program premiums for policies inside the high-risk flood zone.

On the Gulf coast, the worst floods come from hurricane storm surge pushed into bays, canals, and river mouths, and from heavy rain that can't drain while the tide is high. The storms we track for the Panhandle are Hurricane Hermine 2016, Hurricane Irma 2017, Hurricane Michael 2018, Hurricane Sally 2020, and Hurricane Helene 2024.

Search any address in Walton 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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