Menu

Flood insurance cost · Dixie County, FL

Flood insurance cost in Dixie County, Florida

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 385 home policies in force on August 31, 2026.

Dixie County, FloridaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,247a year

Half of insured homes paid between $837 and $2,377. That is 23% more than the Florida median ($1,017). Most insured homes here are rated in zone AE (77%).

$0$837 · $1,247 · $2,377$2,971
+9.9% vs Aug 31, 2025 (median $1,135)
385home policies in force
$1,777average cost (mean)
95%of insured homes in high-risk zones (A, V)
$180,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Disaster declarations: 1 FEMA declaration · IRS Feb 8, 2027. FEMA declarations and IRS tax relief in Dixie County.

Cost by flood zone in Dixie County

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone VE / V
High risk, coastal		$5,248$4,668–$5,750$5,42212 (3%)+8.3%
Zone AE
High risk		$1,304$860–$2,445$1,774298 (77%)+8.8%
Zone A
High risk		$1,010$733–$1,862$1,28357 (15%)−3.8%
Zone X
Moderate to low risk		$934$767–$1,155$94618 (5%)+13.6%

Not shown (fewer than 10 home policies): AO, AH, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Dixie County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home242$1,112$1,803
Manufactured (mobile) home141$1,488$1,722
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		22$7,040$8,138
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		17$2,023$3,024

Not shown (fewer than 10 policies): 2–4 unit building, condo or apartment unit.

424NFIP policies in force, any building
556insured units (condo association policies count every unit)
46%of home policies also cover contents
$40,000median contents coverage, when bought

One year on: Dixie County

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force407385−5.4%
Median annual cost$1,135$1,247+9.9%
Average annual cost$1,650$1,777+7.7%
All policies in force (any building)446424−4.9%

How many homes have flood insurance?

5.8%of all homes in Dixie County have an NFIP policy
14.2%of homes in high-risk zones (special flood hazard area) have one
9,564residential buildings counted by FEMA
3,782of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Dixie County, Florida have filed 915 flood claims. 734 received a payment, for a total of $21.4 million (an average of $29,170 per paid claim). The year with the most claims was 1996 (215 claims). Amounts are in dollars of the time, not adjusted for inflation.

010020030040019801986: 11 claims19901993: 70 claims, 62 paid, $1,503,825 in total1995: 89 claims, 65 paid, $342,418 in total19951996: 215 claims, 190 paid, $3,101,754 in total19961998: 76 claims, 58 paid, $509,091 in total20002004: 21 claims, 10 paid, $59,105 in total2005: 52 claims, 45 paid, $825,469 in total20102016: 53 claims, 45 paid, $1,203,497 in total2018: 13 claims, 10 paid, $195,589 in total20202021: 26 claims, 22 paid, $969,750 in total2023: 77 claims, 58 paid, $3,139,013 in total2024: 157 claims, 132 paid, $9,220,613 in total2024
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (12)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2024157132$9,220,613$69,853
20237758$3,139,013$54,121
20212622$969,750$44,080
20181310$195,589$19,559
20165345$1,203,497$26,744
20055245$825,469$18,344
20042110$59,105$5,910
19987658$509,091$8,777
1996215190$3,101,754$16,325
19958965$342,418$5,268
19937062$1,503,825$24,255
198611<10––

From 2016 to 2026: 326 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

Main NFIP communities in the county

Unincorporated Dixie County (327 home policies) · Cross City (33 home policies) · Horseshoe Beach (22 home policies)