Most Florida towns have earned a discount on federal flood insurance by building and planning above FEMA's minimum standards. Almost no buyer knows it exists. Find yours below, by city, by county, or by island.
This is FEMA's Community Rating System. When a community goes beyond the minimum floodplain rules, FEMA discounts flood insurance premiums for nearly every policy in that town. The size of the discount depends on where the home sits. A property inside a high risk flood zone, meaning any zone starting with A or V, earns the larger discount. A property outside one, such as zone X, earns the smaller. Policies already sitting at a rate cap may get less, or none.
It is a common and expensive mistake to quote the headline number for a home that is not in a flood zone. Sarasota County shows 25 percent, but a zone X property there gets 10 percent. If you are comparing two homes, check the flood zone first, then read across to the right column.
| Community | Flood zone A or V | Zone X outside it | CRS class |
|---|---|---|---|
| Islamorada | 25% | 10% | 5 |
| Key Colony Beach | 20% | 10% | 6 |
| Key West | 25% | 10% | 5 |
| Layton | 25% | 10% | 5 |
| Marathon | 20% | 10% | 6 |
| Monroe County (unincorporated) | 35% | 10% | 3 |
FEMA rates jurisdictions, not islands. Monroe County has only six: the unincorporated county, Key West, Islamorada, Marathon, Layton and Key Colony Beach. Every island below inherits the rate of whichever one it sits in, and the boundaries surprise people. Grassy Key is inside Marathon, so it earns 20% while the island next door earns 35%. Lower Matecumbe is Islamorada, not the county.
| Island | Which jurisdiction | Flood zone A or V | Zone X outside it |
|---|---|---|---|
| Key Largo | Unincorporated Monroe County | 35% | 10% |
| Tavernier Some Tavernier mailing addresses sit across Tavernier Creek in Islamorada | Unincorporated Monroe County | 35% | 10% |
| Plantation Key | Islamorada, Village of Islands | 25% | 10% |
| Windley Key | Islamorada, Village of Islands | 25% | 10% |
| Upper Matecumbe Key | Islamorada, Village of Islands | 25% | 10% |
| Lower Matecumbe Key | Islamorada, Village of Islands | 25% | 10% |
| Tea Table Key | Islamorada, Village of Islands | 25% | 10% |
| Long Key The City of Layton occupies part of Long Key; the rest is unincorporated at 35% | City of Layton | 25% | 10% |
| Conch Key | Unincorporated Monroe County | 35% | 10% |
| Duck Key | Unincorporated Monroe County | 35% | 10% |
| Grassy Key Inside Marathon city limits, so 20% rather than the county's 35% | City of Marathon | 20% | 10% |
| Crawl Key | City of Marathon | 20% | 10% |
| Fat Deer Key Except the Key Colony Beach portion | City of Marathon | 20% | 10% |
| Key Colony Beach | Key Colony Beach | 20% | 10% |
| Long Point Key | City of Marathon | 20% | 10% |
| Vaca Key (Marathon) | City of Marathon | 20% | 10% |
| Boot Key | City of Marathon | 20% | 10% |
| Knight's Key | City of Marathon | 20% | 10% |
| Bahia Honda Key | Unincorporated Monroe County | 35% | 10% |
| Big Pine Key | Unincorporated Monroe County | 35% | 10% |
| No Name Key | Unincorporated Monroe County | 35% | 10% |
| Little Torch Key | Unincorporated Monroe County | 35% | 10% |
| Middle Torch Key | Unincorporated Monroe County | 35% | 10% |
| Big Torch Key | Unincorporated Monroe County | 35% | 10% |
| Ramrod Key | Unincorporated Monroe County | 35% | 10% |
| Summerland Key | Unincorporated Monroe County | 35% | 10% |
| Cudjoe Key | Unincorporated Monroe County | 35% | 10% |
| Sugarloaf Key | Unincorporated Monroe County | 35% | 10% |
| Big Coppitt Key | Unincorporated Monroe County | 35% | 10% |
| Stock Island Mostly unincorporated at 35%; the Key West Golf Club side falls inside Key West at 25% | Unincorporated Monroe County | 35% | 10% |
| Key West | City of Key West | 25% | 10% |
Island to jurisdiction mapping compiled from Monroe County municipal boundaries. Where a parcel sits near a city line, confirm the jurisdiction on the property record before relying on the rate.
Collier and Lee are mostly a flat 25%, so the exceptions are what matter. Fort Myers and Estero sit at 20% while the county around them earns 25%, and Everglades City is the outlier on the whole coast.
| Island or community | Which jurisdiction | Flood zone A or V | Zone X outside it |
|---|---|---|---|
| Marco Island | City of Marco Island | 25% | 10% |
| Isles of Capri | Unincorporated Collier County | 25% | 10% |
| Goodland | Unincorporated Collier County | 25% | 10% |
| Vanderbilt Beach | Unincorporated Collier County | 25% | 10% |
| Park Shore and Port Royal | City of Naples | 25% | 10% |
| Everglades City The lowest class on the Southwest coast | City of Everglades City | 5% | 5% |
| Bonita Beach | City of Bonita Springs | 25% | 10% |
| Estero Island (Fort Myers Beach) The town and the island are the same place | Town of Fort Myers Beach | 25% | 10% |
| Sanibel Island | City of Sanibel | 25% | 10% |
| Captiva Island Captiva never incorporated, so it follows the county, not Sanibel | Unincorporated Lee County | 25% | 10% |
| North Captiva and Cayo Costa | Unincorporated Lee County | 25% | 10% |
| Pine Island, Bokeelia, St. James City, Matlacha | Unincorporated Lee County | 25% | 10% |
| Boca Grande and Gasparilla Island The island touches Charlotte County, which is also 25%, so the answer holds either way | Unincorporated Lee County | 25% | 10% |
| Cape Coral canals | City of Cape Coral | 25% | 10% |
| Downtown Fort Myers Lower than the county around it | City of Fort Myers | 20% | 10% |
| Estero (mainland) | Village of Estero | 20% | 10% |
| Punta Gorda Isles | City of Punta Gorda | 25% | 10% |
| Placida and Cape Haze | Unincorporated Charlotte County | 25% | 10% |
Where a parcel sits near a city line, confirm the jurisdiction on the property record before relying on the rate.
This stretch has the widest spread in Florida. Unincorporated Pinellas County earns 40%, the best rate in the state, but almost every barrier island town inside it earns 20% or 15%. Crossing a city line here can cost twenty points.
| Island or community | Which jurisdiction | Flood zone A or V | Zone X outside it |
|---|---|---|---|
| Siesta Key | Unincorporated Sarasota County | 25% | 10% |
| Casey Key | Unincorporated Sarasota County | 25% | 10% |
| Manasota Key Split between two counties, both at 25% | Unincorporated Sarasota and Charlotte | 25% | 10% |
| Lido Key, St. Armands and Bird Key | City of Sarasota | 25% | 10% |
| Venice Island | City of Venice | 25% | 10% |
| Longboat Key Its own town across two counties, and lower than either county's 25% | Town of Longboat Key | 20% | 10% |
| Anna Maria (north end) | City of Anna Maria | 25% | 10% |
| Holmes Beach (middle) | City of Holmes Beach | 25% | 10% |
| Bradenton Beach (south end) Same island as Anna Maria and Holmes Beach, five points lower | City of Bradenton Beach | 20% | 10% |
| Perico Island and Cortez | Unincorporated Manatee County | 25% | 10% |
| Downtown Bradenton The weakest rate on this stretch of coast | City of Bradenton | 15% | 5% |
| Tierra Verde The strongest discount in Florida, and twice what neighboring St. Pete Beach earns | Unincorporated Pinellas County | 40% | 10% |
| Honeymoon and Caladesi Islands | Unincorporated Pinellas County | 40% | 10% |
| Clearwater Beach | City of Clearwater | 25% | 10% |
| Belleair Beach | City of Belleair Beach | 20% | 10% |
| Indian Rocks Beach | City of Indian Rocks Beach | 20% | 10% |
| Indian Shores | Town of Indian Shores | 20% | 10% |
| Redington Shores | Town of Redington Shores | 20% | 10% |
| Redington Beach | Town of Redington Beach | 15% | 5% |
| North Redington Beach | Town of North Redington Beach | 15% | 5% |
| Madeira Beach | City of Madeira Beach | 20% | 10% |
| Treasure Island | City of Treasure Island | 20% | 10% |
| St. Pete Beach Half of what unincorporated Pinellas earns a few minutes away | City of St. Pete Beach | 20% | 10% |
| Pass-a-Grille | City of St. Pete Beach | 20% | 10% |
Anna Maria Island carries three different city governments along seven miles, and they do not all earn the same rate.
Every 30A community is unincorporated Walton County, so Seaside, Rosemary Beach, Alys Beach and the rest all earn the same 20%. The surprises are next door: Okaloosa Island and Pensacola Beach both beat the cities beside them.
| Island or community | Which jurisdiction | Flood zone A or V | Zone X outside it |
|---|---|---|---|
| Seaside | Unincorporated Walton County | 20% | 10% |
| Rosemary Beach | Unincorporated Walton County | 20% | 10% |
| Alys Beach | Unincorporated Walton County | 20% | 10% |
| WaterColor and WaterSound | Unincorporated Walton County | 20% | 10% |
| Grayton Beach | Unincorporated Walton County | 20% | 10% |
| Blue Mountain Beach | Unincorporated Walton County | 20% | 10% |
| Santa Rosa Beach and Dune Allen | Unincorporated Walton County | 20% | 10% |
| Seagrove and Seacrest | Unincorporated Walton County | 20% | 10% |
| Inlet Beach | Unincorporated Walton County | 20% | 10% |
| Destin | City of Destin | 20% | 10% |
| Okaloosa Island Five points better than Destin or Fort Walton Beach next door | Unincorporated Okaloosa County | 25% | 10% |
| Fort Walton Beach | City of Fort Walton Beach | 20% | 10% |
| Navarre and Navarre Beach Navarre never incorporated, so it earns the county's rate | Unincorporated Santa Rosa County | 25% | 10% |
| Gulf Breeze | City of Gulf Breeze | 20% | 10% |
| Pensacola Beach Its own authority, and better than Escambia County around it | Santa Rosa Island Authority | 25% | 10% |
| Perdido Key | Unincorporated Escambia County | 20% | 10% |
| Downtown Pensacola | City of Pensacola | 15% | 5% |
| Panama City Beach | City of Panama City Beach | 25% | 10% |
| Panama City | City of Panama City | 25% | 10% |
| Cape San Blas and Indian Pass | Unincorporated Gulf County | 20% | 10% |
| St. George Island and Carrabelle | Unincorporated Franklin County | 15% | 5% |
Walton County has no incorporated town along 30A, which is why the entire corridor shares one rate.
| Community | Flood zone A or V | Zone X outside it | CRS class |
|---|---|---|---|
| Aventura | 20% | 10% | 6 |
| Bal Harbour Village | 10% | 5% | 8 |
| Bay Harbor Islands | 5% | 5% | 9 |
| Boca Raton | 25% | 10% | 5 |
| Boynton Beach | 30% | 10% | 4 |
| Broward County (unincorporated) | 20% | 10% | 6 |
| Cloud Lake | 15% | 5% | 7 |
| Coconut Creek | 15% | 5% | 7 |
| Cooper City | 20% | 10% | 6 |
| Coral Gables | 25% | 10% | 5 |
| Coral Springs | 10% | 5% | 8 |
| Cutler Bay | 35% | 10% | 3 |
| Dania Beach | 25% | 10% | 5 |
| Davie | 15% | 5% | 7 |
| Deerfield Beach | 10% | 5% | 8 |
| Delray Beach | 20% | 10% | 6 |
| Doral | 20% | 10% | 6 |
| Fort Lauderdale | 15% | 5% | 7 |
| Greenacres | 5% | 5% | 9 |
| Hallandale Beach | 20% | 10% | 6 |
| Hialeah | 15% | 5% | 7 |
| Hillsboro Beach | 10% | 5% | 8 |
| Hollywood | 20% | 10% | 6 |
| Homestead | 15% | 5% | 7 |
| Hypoluxo | 15% | 5% | 7 |
| Juno Beach | 20% | 10% | 6 |
| Jupiter | 25% | 10% | 5 |
| Key Biscayne | 10% | 5% | 8 |
| Lake Clarke Shores | 10% | 5% | 8 |
| Lake Park | 20% | 10% | 6 |
| Lake Worth Beach, City Of | 20% | 10% | 6 |
| Lantana | 10% | 5% | 8 |
| Lauderdale-By-The-Sea | 10% | 5% | 8 |
| Lauderhill | 15% | 5% | 7 |
| Lighthouse Point | 15% | 5% | 7 |
| Manalapan | 10% | 5% | 8 |
| Margate | 20% | 10% | 6 |
| Medley | 5% | 5% | 9 |
| Miami | 20% | 10% | 6 |
| Miami Beach | 25% | 10% | 5 |
| Miami Gardens | 15% | 5% | 7 |
| Miami Lakes | 20% | 10% | 6 |
| Miami Shores Village, Village Of | 20% | 10% | 6 |
| Miami-Dade County (unincorporated) | 35% | 10% | 3 |
| Miramar | 10% | 5% | 8 |
| North Bay Village | 10% | 5% | 8 |
| North Lauderdale | 20% | 10% | 6 |
| North Miami | 20% | 10% | 6 |
| North Miami Beach | 15% | 5% | 7 |
| North Palm Beach | 25% | 10% | 5 |
| Oakland Park | 20% | 10% | 6 |
| Ocean Ridge | 20% | 10% | 6 |
| Palm Beach | 20% | 10% | 6 |
| Palm Beach County (unincorporated) | 25% | 10% | 5 |
| Palm Beach Shores | 15% | 5% | 7 |
| Palm Springs | 20% | 10% | 6 |
| Palmetto Bay | 25% | 10% | 5 |
| Parkland | 5% | 5% | 9 |
| Pembroke Pines | 25% | 10% | 5 |
| Pinecrest | 15% | 5% | 7 |
| Plantation | 15% | 5% | 7 |
| Pompano Beach | 20% | 10% | 6 |
| Riviera Beach | 10% | 5% | 8 |
| Royal Palm Beach | 25% | 10% | 5 |
| South Miami | 20% | 10% | 6 |
| South Palm Beach | 10% | 5% | 8 |
| Southwest Ranches | 15% | 5% | 7 |
| Sunny Isles Beach | 15% | 5% | 7 |
| Sunrise | 15% | 5% | 7 |
| Surfside | 20% | 10% | 6 |
| Tamarac | 20% | 10% | 6 |
| Tequesta | 20% | 10% | 6 |
| Wellington | 25% | 10% | 5 |
| West Palm Beach | 25% | 10% | 5 |
| Weston | 20% | 10% | 6 |
| Community | Flood zone A or V | Zone X outside it | CRS class |
|---|---|---|---|
| Fellsmere | 15% | 5% | 7 |
| Fort Pierce | 20% | 10% | 6 |
| Indian River County (unincorporated) | 25% | 10% | 5 |
| Indian River Shores | 25% | 10% | 5 |
| Jupiter Island | 20% | 10% | 6 |
| Martin County (unincorporated) | 25% | 10% | 5 |
| Port St. Lucie | 25% | 10% | 5 |
| Sebastian | 20% | 10% | 6 |
| St. Lucie County (unincorporated) | 25% | 10% | 5 |
| Vero Beach | 20% | 10% | 6 |
| Community | Flood zone A or V | Zone X outside it | CRS class |
|---|---|---|---|
| Brevard County (unincorporated) | 10% | 5% | 8 |
| Cape Canaveral | 20% | 10% | 6 |
| Cocoa | 5% | 5% | 9 |
| Cocoa Beach | 5% | 5% | 9 |
| Melbourne | 15% | 5% | 7 |
| Melbourne Beach | 10% | 5% | 8 |
| Palm Bay | 15% | 5% | 7 |
| Rockledge | 5% | 5% | 9 |
| Titusville | 15% | 5% | 7 |
| Community | Flood zone A or V | Zone X outside it | CRS class |
|---|---|---|---|
| Atlantic Beach | 25% | 10% | 5 |
| Daytona Beach | 25% | 10% | 5 |
| Daytona Beach Shores | 25% | 10% | 5 |
| Deltona | 5% | 5% | 9 |
| Edgewater | 20% | 10% | 6 |
| Fernandina Beach | 25% | 10% | 5 |
| Flagler Beach | 20% | 10% | 6 |
| Flagler County (unincorporated) | 20% | 10% | 6 |
| Holly Hill | 10% | 5% | 8 |
| Jacksonville | 20% | 10% | 6 |
| Jacksonville Beach | 20% | 10% | 6 |
| Nassau County (unincorporated) | 15% | 5% | 7 |
| Neptune Beach | 20% | 10% | 6 |
| New Smyrna Beach | 25% | 10% | 5 |
| Ormond Beach | 25% | 10% | 5 |
| Palm Coast | 30% | 10% | 4 |
| Ponce Inlet | 25% | 10% | 5 |
| Port Orange | 25% | 10% | 5 |
| South Daytona | 15% | 5% | 7 |
| St. Augustine | 30% | 10% | 4 |
| St. Augustine Beach | 10% | 5% | 8 |
| St. Johns County (unincorporated) | 25% | 10% | 5 |
| Volusia County (unincorporated) | 25% | 10% | 5 |
| Community | Flood zone A or V | Zone X outside it | CRS class |
|---|---|---|---|
| Anna Maria | 25% | 10% | 5 |
| Bonita Springs | 25% | 10% | 5 |
| Bradenton | 15% | 5% | 7 |
| Bradenton Beach | 20% | 10% | 6 |
| Cape Coral | 25% | 10% | 5 |
| Charlotte County (unincorporated) | 25% | 10% | 5 |
| Collier County (unincorporated) | 25% | 10% | 5 |
| Estero | 20% | 10% | 6 |
| Everglades City | 5% | 5% | 9 |
| Fort Myers | 20% | 10% | 6 |
| Fort Myers Beach | 25% | 10% | 5 |
| Holmes Beach | 25% | 10% | 5 |
| Lee County (unincorporated) | 25% | 10% | 5 |
| Longboat Key | 20% | 10% | 6 |
| Manatee County (unincorporated) | 25% | 10% | 5 |
| Marco Island | 25% | 10% | 5 |
| Naples | 25% | 10% | 5 |
| North Port | 25% | 10% | 5 |
| Palmetto | 10% | 5% | 8 |
| Punta Gorda | 25% | 10% | 5 |
| Sanibel | 25% | 10% | 5 |
| Sarasota | 25% | 10% | 5 |
| Sarasota County (unincorporated) | 25% | 10% | 5 |
| Venice | 25% | 10% | 5 |
| Community | Flood zone A or V | Zone X outside it | CRS class |
|---|---|---|---|
| Belleair | 15% | 5% | 7 |
| Belleair Beach | 20% | 10% | 6 |
| Belleair Bluffs | 15% | 5% | 7 |
| Clearwater | 25% | 10% | 5 |
| Dunedin | 25% | 10% | 5 |
| Gulfport | 20% | 10% | 6 |
| Hillsborough County (unincorporated) | 30% | 10% | 4 |
| Indian Rocks Beach | 20% | 10% | 6 |
| Indian Shores | 20% | 10% | 6 |
| Kenneth City | 10% | 5% | 8 |
| Largo | 25% | 10% | 5 |
| Madeira Beach | 20% | 10% | 6 |
| New Port Richey | 20% | 10% | 6 |
| North Redington Beach | 15% | 5% | 7 |
| Oldsmar | 25% | 10% | 5 |
| Pasco County (unincorporated) | 25% | 10% | 5 |
| Pinellas County (unincorporated) | 40% | 10% | 2 |
| Pinellas Park | 25% | 10% | 5 |
| Plant City | 20% | 10% | 6 |
| Port Richey | 15% | 5% | 7 |
| Redington Beach | 15% | 5% | 7 |
| Redington Shores | 20% | 10% | 6 |
| Safety Harbor | 20% | 10% | 6 |
| South Pasadena | 15% | 5% | 7 |
| St. Pete Beach | 20% | 10% | 6 |
| St. Petersburg | 25% | 10% | 5 |
| Tampa | 25% | 10% | 5 |
| Tarpon Springs | 25% | 10% | 5 |
| Temple Terrace | 15% | 5% | 7 |
| Treasure Island | 20% | 10% | 6 |
| Community | Flood zone A or V | Zone X outside it | CRS class |
|---|---|---|---|
| Cedar Key | 5% | 5% | 9 |
| Citrus County (unincorporated) | 25% | 10% | 5 |
| Crystal River | 15% | 5% | 7 |
| Hernando County (unincorporated) | 25% | 10% | 5 |
| Levy County (unincorporated) | 5% | 5% | 9 |
| Taylor County (unincorporated) | 5% | 5% | 9 |
| Yankeetown | 20% | 10% | 6 |
| Community | Flood zone A or V | Zone X outside it | CRS class |
|---|---|---|---|
| Bay County (unincorporated) | 25% | 10% | 5 |
| Callaway | 15% | 5% | 7 |
| Destin | 20% | 10% | 6 |
| Escambia County (unincorporated) | 20% | 10% | 6 |
| Fort Walton Beach | 20% | 10% | 6 |
| Franklin County (unincorporated) | 15% | 5% | 7 |
| Gulf Breeze | 20% | 10% | 6 |
| Gulf County (unincorporated) | 20% | 10% | 6 |
| Jackson County (unincorporated) | 15% | 5% | 7 |
| Jefferson County (unincorporated) | 10% | 5% | 8 |
| Leon County (unincorporated) | 25% | 10% | 5 |
| Lynn Haven | 15% | 5% | 7 |
| Madison County (unincorporated) | 10% | 5% | 8 |
| Mary Esther | 20% | 10% | 6 |
| Milton | 20% | 10% | 6 |
| Niceville | 20% | 10% | 6 |
| Okaloosa County (unincorporated) | 25% | 10% | 5 |
| Panama City | 25% | 10% | 5 |
| Panama City Beach | 25% | 10% | 5 |
| Pensacola | 15% | 5% | 7 |
| Pensacola Beach-Santa Rosa Island Authority | 25% | 10% | 5 |
| Santa Rosa County (unincorporated) | 25% | 10% | 5 |
| Shalimar | 10% | 5% | 8 |
| St. Marks | 10% | 5% | 8 |
| Tallahassee | 25% | 10% | 5 |
| Wakulla County (unincorporated) | 15% | 5% | 7 |
| Walton County (unincorporated) | 20% | 10% | 6 |
| Community | Flood zone A or V | Zone X outside it | CRS class |
|---|---|---|---|
| Alachua County (unincorporated) | 25% | 10% | 5 |
| Altamonte Springs | 20% | 10% | 6 |
| Apopka | 10% | 5% | 8 |
| Casselberry | 15% | 5% | 7 |
| Center Hill | 5% | 5% | 9 |
| Clay County (unincorporated) | 20% | 10% | 6 |
| Clewiston | 5% | 5% | 9 |
| Coleman | 10% | 5% | 8 |
| Columbia County (unincorporated) | 10% | 5% | 8 |
| Gainesville | 20% | 10% | 6 |
| Glades County (unincorporated) | 15% | 5% | 7 |
| Hendry County (unincorporated) | 10% | 5% | 8 |
| Highlands County (unincorporated) | 10% | 5% | 8 |
| Kissimmee | 25% | 10% | 5 |
| Lake Alfred | 20% | 10% | 6 |
| Lake County (unincorporated) | 20% | 10% | 6 |
| Lake Mary | 25% | 10% | 5 |
| Lakeland | 20% | 10% | 6 |
| Longwood | 15% | 5% | 7 |
| Marion County (unincorporated) | 15% | 5% | 7 |
| Ocala | 35% | 10% | 3 |
| Ocoee | 20% | 10% | 6 |
| Okeechobee County (unincorporated) | 10% | 5% | 8 |
| Orange County (unincorporated) | 25% | 10% | 5 |
| Orlando | 20% | 10% | 6 |
| Osceola County (unincorporated) | 25% | 10% | 5 |
| Oviedo | 25% | 10% | 5 |
| Polk County (unincorporated) | 20% | 10% | 6 |
| Putnam County (unincorporated) | 10% | 5% | 8 |
| Sanford | 15% | 5% | 7 |
| Seminole County (unincorporated) | 20% | 10% | 6 |
| St. Cloud | 25% | 10% | 5 |
| Sumter County (unincorporated) | 25% | 10% | 5 |
| Webster | 5% | 5% | 9 |
| Winter Haven | 10% | 5% | 8 |
| Winter Springs | 20% | 10% | 6 |
No community by that name is in the Community Rating System. Not every town takes part. Mexico Beach, Port St. Joe, Apalachicola, Satellite Beach and Dixie County are notable absences. Flood insurance is still available there, there is simply no town wide discount on it.
Flood is one of three coverages on a coastal home, and the premium goes straight into your monthly mortgage payment. Before you make an offer, find out what the whole picture costs.
FEMA resets community classes twice a year, on April 1 and October 1. A community can move up or down. This page reflects classes effective October 1, 2026, verified against FEMA on October 22, 2026.
Yes. If your community takes part and your policy qualifies, the discount is applied to your NFIP premium by the insurer. You do not apply for it. Private flood policies are priced separately and are not part of this program.
Usually because one of you is inside a mapped high risk flood zone and the other is not. The larger discount applies inside zones starting with A or V. It can also happen if you are in a different jurisdiction, since a city often carries a different class than the unincorporated county around it.
It means the community does not take part in the Community Rating System, so there is no town wide discount. Flood insurance is still available. Participation is voluntary and takes significant local effort to earn and keep.
No. The Community Rating System discount applies only to federal flood insurance through the NFIP. Wind and homeowners coverage are priced separately, and on a coastal Florida home they are often the larger bill.
Unincorporated Pinellas County holds a Class 2 rating, which is a 40 percent discount inside a high risk flood zone. That is the strongest rate in Florida. Many barrier island cities inside that same county earn only 20 or 15 percent.
Educational reference only. Community classes are published by FEMA through the National Flood Insurance Program Community Status Book and were retrieved on October 22, 2026. FEMA resets classes on April 1 and October 1 each year, and a community can move up or down. Island to jurisdiction mapping is compiled from Monroe, Lee, Collier, Sarasota, Manatee, Pinellas, Walton, Okaloosa, Santa Rosa, Escambia, Bay, Gulf and Franklin county boundaries; where a parcel sits near a city line, confirm the jurisdiction on the property record. This is not an insurance quote, a flood determination, or a commitment to lend. Confirm your community's current class and your own premium with your insurance agent or local floodplain administrator. The Mortgage Dock · Eli Sanderlin · NMLS #1983384 · Coast2Coast Mortgage, LLC NMLS #376205 · Equal Housing Opportunity.