Home insurance in Wakulla County, Florida
Wakulla County (Crawfordville is the county seat) had about 37,115 residents in 2024 per Census estimates. It is a coastal county on the Gulf side in the Big Bend. Hermine (2016) made landfall just east of St. Marks. Roof age, wind mitigation and flood drive most quotes here.
County seat CrawfordvillePopulation (2024 est.) 37,115Setting Coastal (Gulf)Region Big Bend
How do FEMA flood zones work in Wakulla County?
Key water: St. Marks River, Wakulla River, Apalachee Bay.
FEMA flood maps here include coastal high-hazard V zones and A zones along the St. Marks River and other shorelines, plus X zones farther inland. Storm surge is flood, not wind, so it is only covered by a separate flood policy. Check your address on the FEMA Flood Map Service Center.
How fast is Wakulla County growing?
The Census Bureau's Vintage 2024 estimate puts Wakulla County at 37,115 residents. That is up about 9.9% from the April 2020 base estimate of 33,766, making it Florida's 48th most populous county.
None of Florida's 100 most populous cities are in Wakulla County, but we quote homes countywide, including Crawfordville.
What storms have hit Wakulla County?
Hermine (2016) made landfall just east of St. Marks; Dennis (2005) and Michael (2018) brought surge to Apalachee Bay communities like Shell Point.
Those storms are why carriers look closely at roofs and openings here. Coastal location changes which part of that history matters most for your home.
Shopping for home insurance in Wakulla County? Your request goes only to Nymble Insurance, a licensed Florida agency. We quote every applicant and compare options on matching coverage.
Start a private quote Call (813) 291-3484What is the insurance market like in Wakulla County?
Low coastal communities face surge; most population sits inland near Crawfordville.
Many Wakulla County homeowners are with Citizens or have received a takeout offer. Agencies quoting the same carrier use the same filed rates, so compare coverage line by line before price.
Is Wakulla County in a wind-borne debris region?
Parts of the county, especially areas near the coast, fall in the Florida Building Code's wind-borne debris region, where new construction needs impact-rated openings or shutters. Your building department can confirm whether a given address is inside it.
The statewide Florida Building Code took effect March 1, 2002. Homes permitted after that date, or with later roof and window permits, usually document better on a wind mitigation inspection. Older homes may also need a 4-point inspection.
Frequently asked questions
Is FMAP.insure the official FMAP for Wakulla County?
No. FMAP.insure is a private website run by Nymble Insurance LLC. The official, free FMAP referral service is at fmap.org. Requests here go only to Nymble Insurance.
Can Nymble Insurance quote my Wakulla County home?
Yes. Nymble Insurance is a licensed Florida agency (L131669) and quotes homeowners across Wakulla County and the rest of Florida. Every applicant gets a quote request reviewed.
Does my homeowners policy cover storm surge in Wakulla County?
No. Storm surge is flood, which homeowners policies exclude. You need a separate flood policy through the NFIP or a private flood insurer.
Are there wind-borne debris rules in Wakulla County?
Parts of the county, especially areas near the coast, fall in the Florida Building Code's wind-borne debris region, where new construction needs impact-rated openings or shutters. Your building department can confirm whether a given address is inside it.