Flood insurance cost · Okeechobee County, FL

Flood insurance cost in Okeechobee County, Florida

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,221 home policies in force on August 31, 2026.

Okeechobee County, FloridaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$944a year

Half of insured homes paid between $682 and $1,263. That is 7% less than the Florida median ($1,017). Most insured homes here are rated in zone A (61%).

$0$682 · $944 · $1,263$1,579

+5.6% vs Aug 31, 2025 (median $894)

1,221home policies in force

$1,054average cost (mean)

80%of insured homes in high-risk zones (A, V)

$241,000median 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.

Cost by flood zone in Okeechobee 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 zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone AE High risk	$1,434	$1,080–$1,901	$1,536	236 (19%)	+9.0%
Zone A High risk	$772	$614–$1,011	$865	746 (61%)	+3.5%
Zone X Moderate to low risk	$1,112	$990–$1,263	$1,166	239 (20%)	+8.1%

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 Okeechobee County, by what they insure.

Type of building	Policies	Median	Average
Single-family home	979	$935	$1,028
Manufactured (mobile) home	229	$998	$1,171
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.	21	$1,337	$1,315
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	67	$1,649	$2,182

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

1,309NFIP policies in force, any building

1,309insured units (condo association policies count every unit)

64%of home policies also cover contents

$73,000median contents coverage, when bought

One year on: Okeechobee 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, 2025	Aug 31, 2026	Change
Home policies in force	1,260	1,221	−3.1%
Median annual cost	$894	$944	+5.6%
Average annual cost	$992	$1,054	+6.2%
All policies in force (any building)	1,350	1,309	−3.0%

How many homes have flood insurance?

6.4%of all homes in Okeechobee County have an NFIP policy

21.9%of homes in high-risk zones (special flood hazard area) have one

19,315residential buildings counted by FEMA

4,529of 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 Okeechobee County, Florida have filed 295 flood claims. 161 received a payment, for a total of $1,921,426 (an average of $11,934 per paid claim). The year with the most claims was 2004 (112 claims). Amounts are in dollars of the time, not adjusted for inflation.

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 (5)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2017	17	<10	–	–
2012	35	23	$258,314	$11,231
2008	42	27	$263,458	$9,758
2005	59	34	$515,125	$15,151
2004	112	62	$621,555	$10,025

From 2016 to 2026: 17 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 Okeechobee County

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

Main NFIP communities in the county

Unincorporated Okeechobee County (1,172 home policies) · Okeechobee (49 home policies)