Floods are the #1 natural disaster in the United States and can happen at anytime. Typically, several tropical storms and hurricanes will develop and move at varying speeds across the Caribbean Sea, Gulf of Mexico, and the Atlantic Ocean. Even though a storm does not make landfall in Florida, it can still bring severe hazards to the state and your property!

The City of Ocala is a Class 3 Community for the National Flood Insurance Program's Community Rating System (CRS).

This means that property owners in the City of Ocala qualify for a discount on Flood Insurance!  Your basic Homeowner's Insurance does NOT cover flood damage! Depending on your property's location, your home is considered to be either a "High-Risk" or a "Moderate-to-Low Risk" for a flood.



Click here to see which Flood Zone your property falls into:


**Hard copies of the FEMA FIRM panels (dated 1978 to 2017) are located at the Public Works Department for your convenience.

Since the City of Ocala is a Class 3 Community, properties in Special Flood Hazard Areas (SFHA) receive a 35% discount on their Flood Insurance. Also, properties in Non-Special Flood Hazard Areas (Non-SFHA) receive a 10% discount on their Flood Insurance.


For further information on Flood Insurance, contact your local insurance agency or visit this page to find information on our partners!

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Check out our "Documents Box" for some informational material on Flood Insurance!