Cedar Key, FL Flood Zone Map

Levy County had 1,093 NFIP flood insurance policies written or renewed over the trailing 13 months, with an average annual premium of $1,847, totaling $2.0M in annual premiums. Because a policy renewed inside that window is counted twice, this runs above the number in force at any one moment.

Policies by Flood Zone

Source: OpenFEMA NFIP Policies API. Reflects policies with an effective date in the trailing 13 months (July 1, 2025 through August 16, 2026) - a 12-month policy term plus a 1-month buffer for OpenFEMA's own reporting lag - as an approximation of currently active policies, not a certified point-in-time count. Policies renewed early in this window may be counted twice, so actual totals may be somewhat lower than shown. See national policies data.

See the full flood insurance cost guide for how premiums vary by zone and risk factor.

Properties in Levy County have filed 1,315 NFIP flood insurance claims totaling $55.0M in payouts since 1978. The average claim payout is $42K.

Highest-Claim Years

Claims by Flood Zone

Source: OpenFEMA NFIP Claims API. Data sourced August 2026. See national claims data.

Only roughly 1 in 15 households in Levy County carries NFIP flood insurance (6% of estimated households). This county has elevated flood risk with below-average insurance coverage, meaning many flood losses may go uninsured.

Historically, Levy County has averaged 1.2 claims for every active policy (since 1978). This compares cumulative claims against today's policy count and does not predict future claim likelihood.

Coverage data: NFIP policies as of August 2026, claims since 1978 (August 2026), population from FEMA NRI. All figures are county-wide and include Cedar Key.

Not sure whether you're required to carry it? See do I need flood insurance?, or compare NFIP vs. private flood insurance.

Levy County has 196 properties with multiple flood insurance losses, including 64 severe repetitive loss properties. 2 properties have received FEMA mitigation funding. Severe repetitive loss is a subset of multiple loss, not a separate count. Data sourced August 2026.

By Flood Zone

Source: OpenFEMA NFIP Multiple Loss Properties. Data sourced August 2026.

Cedar Key participates in FEMA's Community Rating System (CRS), a voluntary program that rewards communities for flood mitigation efforts beyond minimum NFIP requirements. Residents in the Special Flood Hazard Area may qualify for reduced flood insurance premiums.

CRS classes range from 1 (best) to 10 (no discount). Cedar Key's Class 9 rating means NFIP policyholders in the SFHA can receive up to a 5% discount on their flood insurance premiums. Properties outside the SFHA may receive a 5% discount.

Source: FEMA Community Rating System, April 2026. Discounts apply to NFIP policies only.

Levy County has been included in 23 federal flood-related disaster declarations.

...and 15 earlier declarations since 2004.

These declarations affected communities across Levy County, including Cedar Key.

Source: OpenFEMA Disaster Declarations Summaries API. Data sourced August 2026.

NOAA has recorded 8 flood events in Levy County since 1996, causing $471K in damage.

Costliest Events

Events by Type

Source: NOAA Storm Events Database, 1996-2026. Data sourced August 2026.

FEMA has funded mitigation for 58 properties in Levy County, investing $2.3M in flood risk reduction. Common mitigation actions include acquisition (buying and demolishing flood-prone structures), elevation (raising buildings above flood level), and safe rooms (wind/storm shelters for tornado and hurricane protection).

By Action Type

Source: OpenFEMA Hazard Mitigation Assistance. Data sourced August 2026. FEMA records a total payment per grant rather than per property, so the dollar figure is an estimate that splits each grant across the properties it covers; the property count is exact.

Based on FEMA's National Risk Index, which evaluates flood risk at the county level using historical loss data, exposure, and vulnerability.

Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.