Enter any address in Calhoun County, Florida to see its FEMA flood zone
Flash flooding events have been the most frequent type of flood recorded in Calhoun County over the last 30 years, with 24 occurrences noted in the NOAA Storm Events Database. Tropical storms and general floods also contribute to the county's flood risk. In September 2024, Hurricane Helene, a Category 4 storm, made landfall nearby and moved inland, producing a significant storm surge along the coast.
National Flood Insurance Program (NFIP) claims data shows that properties in Zone A have experienced a high volume of claims, with an average payout of $14,307 and an average water depth of 3.5 feet. While Zone X and Zone X_Unshaded have fewer claims, some Zone X_Unshaded claims have resulted in significantly higher average payouts, reaching $43,535 with an average water depth of 3.0 feet. Properties in Zone UNKNOWN have had fewer claims with lower average payouts and water depth.
Homeowners in Zone A, as well as those in Zone X_Unshaded, should pay particular attention to flood risk. Residents in areas prone to flash flooding or located near coastal areas that could be affected by storm surge should also be aware of potential flood hazards.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
33 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Calhoun County, Florida has recorded 54 flood-related events since 1996 according to NOAA's Storm Events Database, including 24 flash floods and 11 river or area floods. The county has received 43 federal disaster declarations, 2 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1985–2024)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Hurricane Helene | Hurricane | Sep 23, 2024 |
| Tropical Storm Helene | Tropical Storm | Sep 23, 2024 |
| Hurricane Debby | Tropical Storm | Aug 1, 2024 |
| Tropical Storm Debby | Tropical Storm | Aug 1, 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 |
| Chipola Fire Complex | Fire | Mar 4, 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 |
| Flash Flood | Sep 26, 2024 | 0.00K |
| Flash Flood | Jul 24, 2023 | 0.00K |
| Flash Flood | May 22, 2023 | 0.00K |
| Flood | May 22, 2023 | 0.00K |
| Flash Flood | Mar 19, 2022 | 0.00K |
| Flash Flood | Mar 18, 2022 | 0.00K |
| Flash Flood | Jul 15, 2022 | 0.00K |
| Flash Flood | Aug 16, 2021 | 0.00K |
| Tropical Storm | Aug 16, 2021 | 50.00K |
Tropical Storm — Sep 26, 2024
Hurricane Helene made landfall as a Category 4 hurricane with maximum sustained winds of 140 mph and a minimum central pressure of 938 mb (27.70 inches) at about 11:10 PM EDT on Thursday, September 26th, in Taylor County Florida just east of the Aucilla River. Helene quickly moved inland across Taylor and Madison Counties before moving into Lowndes County in South Central Georgia. The hurricane...
Flash Flood — Sep 26, 2024
Hurricane Helene made landfall as a Category 4 hurricane with maximum sustained winds of 140 mph and a minimum central pressure of 938 mb (27.70 inches) at about 11:10 PM EDT on Thursday, September 26th, in Taylor County Florida just east of the Aucilla River. Helene quickly moved inland across Taylor and Madison Counties before moving into Lowndes County in South Central Georgia. The hurricane...
Flash Flood — Jul 24, 2023
A typical summer pattern persisted with scattered thunderstorms across the area with a few reports of severe weather.
Flash Flood — May 22, 2023
Thunderstorms with heavy rain and gusty winds developed over the area. A few reports of trees down were received, and rainfall amounts of 3 to 6 inches resulted in reports of minor flooding.
Flood — May 22, 2023
Thunderstorms with heavy rain and gusty winds developed over the area. A few reports of trees down were received, and rainfall amounts of 3 to 6 inches resulted in reports of minor flooding.
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 Calhoun 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 Calhoun 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.