Enter any address in Jackson County, Florida to see its FEMA flood zone
Flash flooding events are the most frequent type of flood recorded in Jackson County over the last 30 years, with 91 occurrences. Recent examples include a major flash flood event in April 2024, which brought 6 to 10 inches of rain to the region, causing rapid water rises and flooding numerous cars and structures. In September 2024, Hurricane Helene, a Category 4 storm, made landfall nearby, producing a devastating storm surge along the coast.
National Flood Insurance Program (NFIP) claims data shows that properties in Zone A have experienced an average water depth of 5.4 feet with an average payout of $13,364. Properties in Zone X have seen higher average water depths of 8.4 feet, with an average payout of $13,056. Homeowners in Zone A and Zone X, as well as those in areas with unknown flood risk, should pay close attention to flood warnings and consider flood insurance.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
77 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Jackson County, Florida has recorded 141 flood-related events since 1996 according to NOAA's Storm Events Database, including 91 flash floods and 29 river or area floods. The county has received 34 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 (1994–2024)
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 Nicole | Hurricane | Nov 7, 2022 |
| Hurricane Ian | Hurricane | Sep 23, 2022 |
| Tropical Storm Ian | Hurricane | Sep 23, 2022 |
| Tropical Storm Fred | Hurricane | Aug 13, 2021 |
| Hurricane Sally | Hurricane | Sep 14, 2020 |
| Covid-19 | Biological | Jan 20, 2020 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Sep 26, 2024 | 0.00K |
| Tropical Storm | Sep 26, 2024 | 0.00K |
| Flash Flood | May 18, 2024 | 0.00K |
| Flash Flood | Sep 15, 2024 | 0.00K |
| Flash Flood | Sep 14, 2024 | 0.00K |
| Flash Flood | Apr 10, 2024 | 0.00K |
| Flood | May 22, 2023 | 0.00K |
| Flash Flood | Jul 14, 2023 | 0.00K |
| Flash Flood | Mar 18, 2022 | 0.00K |
| Flood | Apr 17, 2022 | 0.00K |
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...
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 — May 18, 2024
During the early morning hours of May 17th, a long lived derecho that impacted the north central Gulf coast clipped portions of Gulf and Franklin counties with significant wind gusts in excess of hurricane force measured, along with impacts to trees and power lines and minor structural damage. Later in the day and on May 18th, additional rounds of severe storms impacted the tri-state area with ...
Flash Flood — Sep 15, 2024
Several showers and thunderstorms developed in association with the remnants of Hurricane Francine and a stalled frontal boundary. Several areas of rotation were detected, but no tornado touchdowns were reported. There was one report of a tree down in Walton county. In addition, heavy rainfall led to areas of flash flooding.
Flash Flood — Sep 14, 2024
Several showers and thunderstorms developed in association with the remnants of Hurricane Francine and a stalled frontal boundary. Several areas of rotation were detected, but no tornado touchdowns were reported. There was one report of a tree down in Walton county. In addition, heavy rainfall led to areas of flash 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 Jackson 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 Jackson 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.