Flood Insurance in Baker County, Florida

Baker County, part of the Jacksonville, Florida Metro Statistical Area, is considered one of the gateways to Florida. Founded in 1861, it’s now home to 27,115 residents, according to the Census.

If Baker County is the place you call home, you probably already know it’s prone to floods. When the St. Marys River overflows, it can cause serious problems for homeowners without flood insurance.

Despite its history of flooding, the average rates for flood insurance in Baker County are $117 a year, less than average costs in other Florida counties. See for yourself.

Average Kin flood insurance premiums by Florida County

Homeowners insurance doesn’t cover flood damage, but you can add on flood insurance with Kin. Unlike the National Flood Insurance Protection Program (NFIP), you can purchase it directly from us with no waiting period.

Baker County flood insurance costs

Florida flood insurance has a reputation for being expensive. That's because the NFIP used to be one of the only ways to get flood insurance in the state, and as a government-run program, its prices aren’t the most competitive. Homeowners tend to think of the NFIP as an option of last resort when they're required to have flood insurance.

But there’s a better, more affordable solution. Whereas the NFIP is a separate policy from your homeowners' insurance, we can add your flood coverage as an endorsement. That keeps things simple so:

• You pay one premium for home and flood insurance.
• You get one deductible for flood and home insurance claims.
• You don’t have to juggle providers – all your questions and claims are serviced through us.

You can see how our average rates compare to the NFIP below.

Kin vs. NFIP average flood insurance premiums

Remember, average costs are just an illustration. To know your exact flood insurance rate, contact us for a quote.

Flood zones in Baker County

If you look at FEMA’s flood hazard map for Baker County, you'll notice most of the county is highlighted in red. That indicates areas that are at high risk for flooding.

The two high-risk flood areas are labeled A or an AE. An A flood zone has a 100-year floodplain with no determinable base flood elevation (BFE), while AE zones have a 100-year floodplain with determinable BFEs.

BFE is the elevation to which a flood is expected to rise during a base flood. A base flood, also called a 100-year flood, is a flood that has a one percent chance of exceeding base elevation in any given year.

What Baker County flood insurance covers

Flood insurance protects your home, other structures, and belongings against damage from:

• Flooding.
• Groundwater seepage.
• Mudslides.

After a flood, this coverage can help you remediate mold and mildew damage, appliance damage, structural damage, and septic system damage.

Managing Baker County flood risks

Because flooding is the most common natural disaster in the United States, it’s smart to take measures to lower your home’s flood risk. It can also lower your flood premium.

Start by assessing your home’s risk for flooding. For example, the Flood Factor can help you find out if your area has experienced past floods, which can give you an idea about your future flood exposure.

Keep your belongings above your home’s base flood elevation. Don’t store water-sensitive items in your basement, for example.

Lastly, develop a plan for what your household will do if a flood happens.

Learn about flood insurance where you live