Last reviewed: October 2026.
These are plain-language guides to flood insurance and flood zones in our area. They’re general information, with sources on each page.
NFIP vs. private flood insurance in Florida
How flood policies from the National Flood Insurance Program (NFIP) and private flood insurers compare: limits, contents, living expenses, waiting periods, renewals and continuous coverage. Every private policy is different, so check the actual policy.
Alachua County flood zones by area
We matched residential parcels in Alachua County to FEMA’s flood maps and counted how many fall in each zone, by city, by ZIP code and by type of home. The guide also explains what the zones mean, whether flood insurance is required, and LOMAs and elevation certificates.
Marion County flood zones by area
We matched residential parcels in Marion County to FEMA’s flood maps and counted how many fall in each zone, by city, by ZIP code, by community and subdivision, and by type of home. The guide also covers map dates, community discounts and NFIP claims in Marion County.
St. Johns County flood zones by area
We matched residential parcels in St. Johns County to FEMA’s flood maps and counted how many fall in each zone, by city, by ZIP code, by community and subdivision, and by type of home. The guide also covers map dates, community discounts and NFIP claims in St. Johns County.
The county guides show shares of parcels in mapped flood zones. They are not a flood zone determination for any property and not an insurance requirement.
Our main Florida flood insurance page covers the flood requirement for Citizens, Florida’s state-created insurer, plus how flood premiums are figured and how to check your flood zone.
Talk with us
Want to know what your flood zone means for your home or mortgage? A licensed member of our team can review the flood map and your coverage with you and may be able to compare flood insurance options from the insurance companies we represent. Call (352) 371-7977 or contact us.
General information, not legal or coverage advice. Coverage depends on the policy issued, its terms and underwriting. Requirements current as of October 2026; confirm with your agent, insurer or Citizens. McGriff-Williams Insurance is an independent insurance agency licensed in Florida. We are not affiliated with FEMA, the NFIP or Citizens Property Insurance Corporation.
