Enter any address in Highlands County, Florida to see its FEMA flood zone
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| HURRICANE MILTON | Hurricane | 2024-10-05 |
| HURRICANE MILTON | Hurricane | 2024-10-05 |
| TROPICAL STORM DEBBY | Tropical Storm | 2024-08-01 |
| HURRICANE DEBBY | Tropical Storm | 2024-08-01 |
| HURRICANE NICOLE | Hurricane | 2022-11-07 |
| TROPICAL STORM NICOLE | Tropical Storm | 2022-11-07 |
| HURRICANE IAN | Hurricane | 2022-09-23 |
| TROPICAL STORM IAN | Hurricane | 2022-09-23 |
| COVID-19 PANDEMIC | Biological | 2020-01-20 |
| COVID-19 | Biological | 2020-01-20 |
FEMA assigns flood zone designations to areas in Highlands 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 Highlands 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. Over 20% of NFIP claims come from low and moderate-risk areas.
Visit FloodSmart.gov to find an agent and get a quote.