Palm Coast, Florida Flood Zones
Palm Coast is one of Florida's fastest-growing cities, situated on the Intracoastal Waterway in Flagler County. Hurricanes Matthew and Ian caused significant flooding from both storm surge and heavy rainfall.
FEMA Flood Risk Profile: Flagler County
Based on FEMA's National Risk Index, which evaluates flood risk at the county level using historical loss data, exposure, and vulnerability.
Inland Flood Risk
Relatively ModerateEst. annual loss: $15.9M
Coastal Flood Risk
Relatively ModerateEst. annual loss: $790K
Hurricane Risk
Relatively HighEst. annual loss: $18.6M
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
Federal Flood Disaster History: Flagler County
Flagler County has been included in 23 federal flood-related disaster declarations.
...and 15 earlier declarations since 1999.
These declarations affected communities across Flagler County, including Palm Coast.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims: Flagler County
Properties in Flagler County have filed 2,151 NFIP flood insurance claims totaling $78.1M in payouts since 1978. The average claim payout is $36K.
Highest-Claim Years
2017
754 claims - $42.9M
2016
476 claims - $12.7M
2022
428 claims - $18.5M
Claims by Flood Zone
Zone AE
1,272
Zone X
706
Zone A
95
Zone VE
60
Zone AO
9
Source: OpenFEMA NFIP Claims API. Data sourced February 2026.
Common Flood Zones in Palm Coast
Properties in Palm Coast, FL are commonly designated in these FEMA flood zones:
What Your Flood Zone Means in Palm Coast
Palm Coast faces a combination of coastal and inland flood risks. Storm surge from hurricanes and tropical storms pushes seawater inland, while heavy rainfall simultaneously overwhelms rivers, bayous, and drainage infrastructure. This dual threat means flooding can come from multiple directions at once. The most common FEMA flood zone designations in Palm Coast are Zone AE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $15.9M.
Combined coastal and inland flood exposure in Palm Coast means properties may face higher premiums than areas with only one flood source. FEMA's Risk Rating 2.0 accounts for multiple flood sources, including coastal surge distance, river proximity, and rainfall-driven flooding. If your property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance.
Flood maps in areas with combined coastal and inland risk are among the most complex in the FEMA system. Major storms often trigger FEMA restudies that can significantly shift zone boundaries. Letters of Map Revision (LOMR) after hurricanes may expand SFHA coverage as new storm data is incorporated. Use our free lookup tool to check the current flood zone for any Palm Coast address.
Flood Insurance Discount: Palm Coast
Palm Coast 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 Class
Class 4
SFHA Premium Discount
30% off
CRS classes range from 1 (best) to 10 (no discount). Palm Coast's Class 4 rating means NFIP policyholders in the SFHA can receive up to a 30% discount on their flood insurance premiums. Properties outside the SFHA may receive a 10% discount.
Source: FEMA Community Rating System, October 2025. Discounts apply to NFIP policies only.
Check Your Palm Coast Address
Enter any Palm Coast, FL address to instantly see its FEMA flood zone, risk level, and whether flood insurance is required.
Free Flood Zone LookupPalm Coast, FL Flood Zone FAQ
What flood zones are in Palm Coast, FL?
The most common FEMA flood zones in Palm Coast are Zone AE, Zone X. Properties in these high-risk zones (SFHA) may require flood insurance with a federally regulated or government-backed mortgage.
Is flood insurance required in Palm Coast?
If your Palm Coast property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance. Properties in Zone X are not federally required to carry flood insurance, though coverage is still recommended since about 25% of all NFIP flood claims come from Zone X properties.
How do I check my flood zone in Palm Coast?
Enter your Palm Coast address in the search tool above for an instant flood zone determination. Results include your FEMA flood zone, SFHA status, base flood elevation (if available), and FIRM panel information, pulled directly from FEMA's National Flood Hazard Layer.
Does Palm Coast offer flood insurance discounts?
Yes. Palm Coast participates in FEMA's Community Rating System (CRS) with a Class 4 rating, qualifying residents in the Special Flood Hazard Area for up to a 30% discount on NFIP flood insurance premiums. Properties outside the SFHA may receive a 10% discount.
Has Palm Coast experienced major flooding events?
Flagler County, where Palm Coast is located, has been part of 23 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Hurricane Milton in 2024. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in Palm Coast?
Flagler County has recorded 2,151 NFIP flood insurance claims totaling $78.1M in payouts since 1978. The year with the most claims was 2017, with 754 claims and $42.9M in payouts. These figures cover all NFIP claims in the county, including Palm Coast.
Sources
This page summarizes information from FEMA and other official resources in plain language. For full technical details, see the links below.
- FEMA National Flood Hazard LayerDirect Source
The NFHL is the source of all flood zone data shown on this page.
- FEMA Map Service Center — Search by AddressDirect Source
Look up any address to view FIRM panels, FIS reports, and LOMCs.
- NFHL Data and Map StatusTopic Page
View NFHL coverage and data freshness by state and community.
- FEMA National Risk Index — Data ResourcesDirect Source
County-level risk scores for inland flooding, coastal flooding, and hurricane used in the Flood Risk Profile.
- OpenFEMA Disaster Declarations Summaries API v2Direct Source
Federal disaster declarations filtered for flood-related incident types (Flood, Hurricane, Severe Storm, Coastal Storm).
- OpenFEMA FIMA NFIP Claims API v2Direct Source
Historical NFIP flood insurance claims since 1978, aggregated by county and state. Includes claim counts, payouts, and flood zone breakdowns.
Sources last verified: February 2026