Enter any address in Baker County, Florida to see its FEMA flood zone
Tropical storms and associated flooding are the primary flood drivers in Baker County. Over the past 30 years, NOAA Storm Events data shows 13 flood events, 12 tropical storms, and 6 flash flood events. Recent examples include Hurricane Helene in September 2024, which brought strong winds to the region, and Hurricane Debby in August 2024, which caused widespread flooding inland across the Suwannee River Valley.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone A have experienced the most claims, with an average payout of $27,253 and an average water depth of 3.0 feet. Zone X also shows a significant number of claims, with a higher average payout of $43,824, though with a similar average water depth of 2.9 feet. Homeowners in Zone A and Zone X, as well as those in areas with unknown flood risk, should pay particular attention to flood preparedness.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
17 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Baker County, Florida has recorded 31 flood-related events since 1996 according to NOAA's Storm Events Database, including 6 flash floods and 13 river or area floods. The county has received 39 federal disaster declarations, 1 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1973–2024)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Hurricane Milton | Hurricane | Oct 5, 2024 |
| Hurricane Helene | Hurricane | Sep 23, 2024 |
| Hurricane Debby | Tropical Storm | Aug 1, 2024 |
| Tropical Storm Debby | Tropical Storm | Aug 1, 2024 |
| Severe Storms, Straight-line Winds, And Tornadoes | Severe Storm | May 10, 2024 |
| Hurricane Idalia | Hurricane | Aug 27, 2023 |
| Tropical Storm Idalia | Tropical Storm | Aug 27, 2023 |
| Hurricane Nicole | Hurricane | Nov 7, 2022 |
| Hurricane Ian | Hurricane | Sep 23, 2022 |
| Tropical Storm Ian | Hurricane | Sep 23, 2022 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Tropical Storm | Sep 26, 2024 | 0.00K |
| Tropical Storm | Aug 4, 2024 | 0.00K |
| Flood | Jul 30, 2023 | 0.00K |
| Tropical Storm | Aug 30, 2023 | 0.00K |
| Flood | Dec 17, 2023 | 0.00K |
| Flood | Aug 30, 2022 | 2.00K |
| Flood | Aug 28, 2022 | 1.00K |
| Flood | Sep 4, 2022 | 0.00K |
| Flood | Jul 22, 2021 | 0.00K |
| Flood | Jul 7, 2021 | 0.00K |
Tropical Storm — Sep 26, 2024
Hurricane Helene made landfall as a category 4 with peak winds of near 140 mph in the Florida Big |Bend just east of the Aucilla River Entrance in Taylor County, late Thursday evening September 26, |2024. Helene's main impact to southeast Georgia and northeast Florida was wind damage as it |tracked quickly north-northeast. The very powerful hurricane and the forward motion produced a |wide swa...
Tropical Storm — Aug 4, 2024
Hurricane Debby made landfall as a Category 1 storm along the FL Big Bend coast during the early morning of August 5, 2024. Prior to landfall, outer convective bands produced tornadoes across portions of northeast Florida on August 4th. Widespread flooding moved inland with Debby across the Suwannee River Valley and inland Southeast Georgia where flash flooding and moderate to major river flood...
Flood — Jul 30, 2023
A mean westerly steering flow pushed a progressive Gulf sea breeze inland and pinned the Atlantic sea breeze between I-95 and the Atlantic coast in the afternoon where explosive convection developed over a very moist and unstable airmass. Additional strong to severe storms developed across SE GA near a meandering surface front, but coverage was limited given drier mean layer moisture.
Tropical Storm — Aug 30, 2023
Hurricane Idalia made landfall Wednesday morning August 30th around 745 AM EDT along the|Florida Big Bend near Keaton Beach as a category 3, with the inner core moving NE across the|Suwannee River Valley. The inner wind core of Idalia gradually weakened through the morning while,|heavily impacting Suwannee and Hamilton counties in NE Florida and Echols county SE Georgia as the|circulation track...
Flood — Dec 17, 2023
A strong surface low deepened across the eastern Gulf of Mexico as high pressure dominated northeast of the region creating very strong onshore flow. Several days of persistent onshore flow increased water levels along the local Atlantic coast and within inland estuaries including the St. Johns River basin. As the low crossed the state, strong winds, heavy rainfall and storm surge impacted NE F...
Source: NOAA National Weather Service Storm Events Database.
Source: OpenFEMA NFIP Individual Claims (2.25M records analyzed).
FEMA assigns flood zone designations to areas in Baker County, Florida:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in Baker County, Florida that are in FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area.
Visit FloodSmart.gov to find an agent and get a quote.