Menu

Flood insurance cost · Leon County, FL

Flood insurance cost in Leon County, Florida

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,415 home policies in force on August 31, 2026.

Leon County, FloridaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$924a year

Half of insured homes paid between $686 and $1,216. That is 9% less than the Florida median ($1,017). Most insured homes here are rated in zone X (54%).

$0$686 · $924 · $1,216$1,520
+6.2% vs Aug 31, 2025 (median $870)
2,415home policies in force
$990average cost (mean)
46%of insured homes in high-risk zones (A, V)
$250,000median 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 Leon County.

Cost by flood zone in Leon 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 AE
High risk		$999$768–$1,343$1,131761 (32%)+7.2%
Zone A
High risk		$980$772–$1,295$1,048347 (14%)+4.0%
Zone X
Moderate to low risk		$850$610–$1,115$8921,306 (54%)+4.7%

Not shown (fewer than 10 home policies): VE, 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 Leon County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,213$931$994
2–4 unit building117$860$965
Manufactured (mobile) home60$914$1,012
Condo or apartment unit25$638$678
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.		73$2,366$2,824
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		189$2,389$2,687
2,677NFIP policies in force, any building
2,677insured units (condo association policies count every unit)
78%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Leon 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 force2,5922,415−6.8%
Median annual cost$870$924+6.2%
Average annual cost$918$990+7.8%
All policies in force (any building)2,8712,677−6.8%

How many homes have flood insurance?

2.7%of all homes in Leon County have an NFIP policy
39.9%of homes in high-risk zones (special flood hazard area) have one
92,556residential buildings counted by FEMA
2,899of 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 Leon County, Florida have filed 1,017 flood claims. 751 received a payment, for a total of $11.9 million (an average of $15,824 per paid claim). The year with the most claims was 1994 (181 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001980: 11 claims, 11 paid, $48,766 in total19801983: 10 claims1984: 28 claims, 21 paid, $58,083 in total1985: 68 claims, 43 paid, $347,194 in total19901991: 32 claims, 20 paid, $255,078 in total1993: 12 claims1994: 181 claims, 156 paid, $2,152,342 in total19941995: 14 claims, 12 paid, $84,806 in total1998: 50 claims, 40 paid, $779,450 in total2000: 49 claims, 30 paid, $268,245 in total20002001: 159 claims, 122 paid, $1,946,891 in total20012002: 20 claims, 16 paid, $199,775 in total2005: 11 claims2008: 115 claims, 98 paid, $2,487,772 in total20082009: 34 claims, 27 paid, $213,357 in total2010: 28 claims, 23 paid, $360,337 in total20102013: 13 claims2014: 25 claims, 15 paid, $166,546 in total2018: 21 claims, 11 paid, $208,103 in total20202024: 51 claims, 33 paid, $1,468,087 in total
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 (20)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20245133$1,468,087$44,487
20182111$208,103$18,918
20142515$166,546$11,103
201313<10––
20102823$360,337$15,667
20093427$213,357$7,902
200811598$2,487,772$25,385
200511<10––
20022016$199,775$12,486
2001159122$1,946,891$15,958
20004930$268,245$8,942
19985040$779,450$19,486
19951412$84,806$7,067
1994181156$2,152,342$13,797
199312<10––
19913220$255,078$12,754
19856843$347,194$8,074
19842821$58,083$2,766
198310<10––
19801111$48,766$4,433

From 2016 to 2026: 72 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.

ZIP codes in Leon County

ZIP codes with at least 300 NFIP home policies in force have their own page.

Main NFIP communities in the county

Tallahassee (1,217 home policies) · Unincorporated Leon County (1,196 home policies)