Enter any address in Union County, Florida to see its FEMA flood zone
Tropical storm activity and inland flooding are the primary flood concerns in Union County. Over the past 30 years, NOAA Storm Events data shows 9 tropical storm events, 4 flood events, and 3 flash flood events impacting the county. Recent events include Hurricane Helene in September 2024, which brought strong winds and heavy rainfall, and Hurricane Debby in August 2024, causing widespread inland flooding across the Suwannee River Valley.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone A have experienced the most frequent claims, with an average payout of $12,231 for a water depth of 0.3 feet. However, properties in Zone X have seen higher average payouts of $11,498, with an average water depth of 4.3 feet, and Zone X_UNSHADED properties had an average water depth of 3.0 feet. Residents in areas designated as Zone A, Zone X, and Zone X_UNSHADED should pay particular attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
5 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Union County, Florida has recorded 16 flood-related events since 1996 according to NOAA's Storm Events Database, including 3 flash floods and 4 river or area floods. The county has received 34 federal disaster declarations. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1992–2024)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Hurricane Milton | Hurricane | Oct 5, 2024 |
| 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 |
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 |
| Tropical Storm | Aug 30, 2023 | 0.00K |
| Tropical Storm | Sep 10, 2017 | — |
| Tropical Storm | Sep 10, 2017 | 0.00K |
| Flood | Jan 21, 2010 | 0.00K |
| Tropical Storm | Aug 21, 2008 | — |
| Tropical Storm | Jun 13, 2006 | — |
| Tropical Storm | Sep 25, 2004 | — |
| Flood | Sep 9, 2004 | — |
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...
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...
Tropical Storm — Sep 10, 2017
Hurricane Irma's eye passed west of the local forecast area, with the region on the storm's turbulent east side. Widespread tropical storm force winds with gusts to hurricane force were felt across much of the area, with the strongest winds surging up the Florida east coast during the pre-dawn hours of Sept. 11th. Extensive tree and power line damage occurred across the local area from the wind...
Flood — Jan 21, 2010
A strong storm system tracked across the deep south while the mid and upper level low moved over the Mississippi River Valley. A surface low developed over south Georgia in the afternoon, and a trailing squall line moved across the area in the afternoon and evening. Strong low level shear, including a 50 to 60 knot low level jet, combined with adequate instability to produce widespread severe ...
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 Union 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 Union 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.