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Finding Flood Insurance in Calhoun County, Florida

Unlike the hustle and bustle of Florida’s most famous regions, Calhoun County is known for its laid back nature, wide-open spaces, and rich history. Once a commerce community driven by railroad lines, steamboats, and sawmills, Calhoun County now has a population of around 15,000 people, one of the least populous counties in all of Florida. 

Like most regions in Florida, flooding is a concern for residents here. In September, Calhoun County experienced heavy flooding from the Chipola River. The water levels were so high that locals had to get to their homes by kayak or canoe.  

If you're a Calhoun County resident looking for flood insurance, the National Flood Insurance Program (NFIP) isn’t your only option anymore. You can add flood coverage to your Kin homeowners policy.

Calhoun County Flood Insurance Costs

While Florida flood insurance used to be expensive, we’ve worked hard to create a solution that’s more affordable than the NFIP for 71 percent of Florida. In Calhoun County, our average cost of flood insurance is $403 a year, about 47 percent cheaper than the NFIP’s average cost for this area.

Instead of purchasing your flood coverage as a separate policy, you can simply add it as an endorsement to your homeowners policy. That allows you to pay one premium for both home and flood insurance. Your all other peril (AOP) deductible will apply to both flood and home insurance claims.

You can see how our flood insurance rates for Florida and Calhoun County compare to the NFIP below.

Kin vs. NFIP Average Flood Insurance Premiums

Kin Average Premium for Florida

NFIP Average Premium for Florida

Kin Average Premium for Calhoun County

NFIP Average Premium for Calhoun County

$225

$563

$403

$593

Average costs can help you plan for your coverage, but the only way to know for sure what your flood insurance will cost is to get a quote. Your cost may be lower or higher depending on your flood zone and your home’s characteristics. Contact us to get a quote in minutes.

Calhoun County Flood Zones

Below is a list of the high-risk flood zones in Calhoun County, Florida: 

  • Zone A (1% annual chance of flooding).
  • Zone AE (1% annual chance of flooding).
  • Zone AH (1% annual chance of shallow flooding 1-3 ft.).

If you look at the interactive flood zone map of Calhoun County, you'll see that the western edge of the county features a large amount of A and AE flood zones. In fact, 14 percent of properties in Blountstown are at risk for flooding.

If your home is in these zones and you have a federally-backed mortgage (like an FHA loan or VA loan), you’re required to have flood insurance.

What Does Calhoun County Flood Insurance Cover?

Flood insurance can help you repair or replace: 

  • Electrical, heating, cooling, and plumbing systems.
  • Household appliances. 
  • Carpeting and window treatments. 
  • Detached garages.
  • Built-in bookcases, cabinets, and paneling.
  • Foundation, walls, stairs.
  • Personal property.
  • High-value items.

If you experience flooding from a broken water main, your policy can cover that damage, too. Our flood coverage insures your home, other structures, and personal property for their replacement cost up to the limits of your homeowners policy.

flood insurance for everyone main

Tips to Reduce Calhoun County Flood Risk

Reducing your home's risk of flooding can help you avoid claims and keep your flood insurance affordable. Here are a few ways to manage your home's risk of flooding

  • Stay on top of property repairs.
  • Understand your home's past and projected flood risk. 
  • Move water-sensitive equipment above your home's BFE (base flood elevation).

Check out interactive flood maps for your county to understand your home’s flood zone. Keep in mind that even low-risk zones can still flood.

Flood Factor is another great resource to help you understand your home's current and future risks for flooding. Just type in your address and it will show your projected flood risk and how many properties in your county are at risk for flooding.

Learn More about Florida Flood Insurance

Flood Insurance in a Snap

Get a quote today.