Does Taylor Creek flood?
Taylor Creek, Okeechobee, FL · ZIP code 34974: the ZIP code on 41 of the 41 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Taylor Creek have filed flood claims. About 26% of Taylor Creek’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. NFIP flood insurance records list 41 claims from the Census block groups that cover Taylor Creek, from 1999 through 2022. 24 of them received a payment, totaling $161,792 (not adjusted for inflation). The busiest years were 2004 (21 claims), 2005 (8 claims), 2017 (4 claims).
Past claims do not predict future flooding, and a neighborhood figure cannot tell you about one building. Look up the exact address on the FEMA Flood Map Service Center and get flood insurance quotes before you sign a lease or a contract.
Check a specific address in Taylor Creek
Neighborhood figures are averages. Our address check looks up the FEMA flood zone at one address, from the same public maps: check if your address is in a flood zone.
Flood zones street by street in Taylor Creek
The named streets in Taylor Creek, longest first, with how much of each street’s length inside Taylor Creek lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Taylor Creek; the main zone is the FEMA zone covering most of that length. A street can cross several zones, so the zone at one address can differ from the street’s main zone: check the address above for that. 30 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| US Hwy 441 | 2.2 mi | 1.6% | X (shaded, 0.2% annual chance) (81%) |
| SE 27th St | 1.6 mi | 0.0% | X (shaded, 0.2% annual chance) (97%) |
| SE 28th St | 1.1 mi | 2.1% | X (shaded, 0.2% annual chance) (84%) |
| SE 40th Ave | 4,550 ft | 0.0% | X (unshaded, minimal) (90%) |
| SE 26th St | 4,510 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| SE 21st Ct | 4,310 ft | 0.0% | X (unshaded, minimal) (65%) |
| SE 24th Blvd | 4,090 ft | 2.4% | X (shaded, 0.2% annual chance) (98%) |
| SE 30th St | 4,040 ft | 0.0% | X (shaded, 0.2% annual chance) (95%) |
| SE 25th St | 3,910 ft | 0.0% | X (shaded, 0.2% annual chance) (74%) |
| SE 24th St | 3,440 ft | 0.0% | X (unshaded, minimal) (52%) |
| SE 25th Dr | 3,300 ft | 0.0% | X (shaded, 0.2% annual chance) (80%) |
| SE 38th Trl | 3,150 ft | 0.0% | X (shaded, 0.2% annual chance) (98%) |
| SE 29th St | 2,970 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| SE 18th Ter | 2,930 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| SE 31st St | 2,930 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| SE 34th Ave | 2,910 ft | 31% | X (shaded, 0.2% annual chance) (45%) |
| SE 32nd St | 2,880 ft | 0.0% | X (shaded, 0.2% annual chance) (88%) |
| SE 38th Ave | 2,860 ft | 0.0% | X (shaded, 0.2% annual chance) (83%) |
| SE 33rd St | 2,820 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| SE 34th Ln | 2,800 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| SE 34th Dr | 2,750 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| SE 22nd Ct | 2,740 ft | 0.0% | X (unshaded, minimal) (99%) |
| SE 36th Ave | 2,670 ft | 0.0% | X (shaded, 0.2% annual chance) (74%) |
| SE 35th Ave | 2,600 ft | 0.0% | X (shaded, 0.2% annual chance) (72%) |
| SE 32nd Ave | 2,540 ft | 0.0% | X (shaded, 0.2% annual chance) (90%) |
Streets: U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads). Flood zones: FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, retrieved November 1, 2026. Each street is clipped to the neighborhood boundary and measured in an equal-area projection. Street lengths are rounded.
Flood zones in Taylor Creek
Share of Taylor Creek’s mapped area (about 8.908 km²) in each FEMA flood zone, from FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Mapped base flood elevations inside the neighborhood range from 16 to 23 feet. Effective date of the FIRM panel(s) covering it (12093C0485C): July 16, 2015.
| FEMA zone | Share of area |
|---|---|
| X (shaded, 0.2% annual chance) | 51% |
| AE | 24% |
| X (unshaded, minimal) | 24% |
| A | 1.6% |
What the zones mean
- Zone AE (and A, AH, AO)
- High-risk: part of the Special Flood Hazard Area (SFHA), the area FEMA maps as having a 1-percent chance of flooding in any given year (the “100-year” or base flood). AE areas have a mapped base flood elevation.
- Zone VE (and V)
- High-risk coastal areas, also in the SFHA, where the base flood is expected to bring additional hazards from storm waves.
- Zone X (shaded)
- Moderate hazard: between the limits of the 1-percent and the 0.2-percent-annual-chance (“500-year”) flood.
- Zone X (unshaded)
- Minimal hazard: outside the SFHA and higher than the 0.2-percent-annual-chance flood elevation. Minimal is not zero: flood claims are filed from X zones too.
Source: FEMA Glossary: Flood Zones.
Flood insurance claims over time
Claims filed under the National Flood Insurance Program (NFIP) from the 2010 Census block groups that cover Taylor Creek. About 52% of the combined area of those block groups lies inside Taylor Creek, so the claim figures also reflect some nearby blocks. Several of these block groups extend over open water, which the Census includes in block-group boundaries; counting land only (Census land and water areas), about 62% lies inside Taylor Creek. Only insured properties appear, so these counts understate total flooding.
By decade
| Decade | Claims | Paid |
|---|---|---|
| 1990s | 2 | $7,147 |
| 2000s | 30 | $141,137 |
| 2010s | 7 | $13,508 |
| 2020s | 2 | $0 |
By year of loss
Named flood events with the most claims
- Hurricane Jeanne: 12 claims
- Hurricane Wilma: 7 claims
- Hurricane Frances: 5 claims
- Hurricane Irma: 4 claims
- Hurricane Charley: 2 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- X/B/C (moderate or minimal): 22
- A/AE/AH/AO (high risk): 19
How much is flood insurance in Taylor Creek?
The typical National Flood Insurance Program policy on single-family homes in Taylor Creek costs $1,424 a year: the median of 92 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $1,162 and $1,904. That is the full amount paid for the year, the premium plus FEMA’s fees and surcharges, and every one of these policies is priced under Risk Rating 2.0. A quote for one building can be far from this: its elevation, foundation, age, coverage and deductible all change the price. Private flood insurance is not included.
Source: FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3, computed November 1, 2026.
Why home insurance costs what it does in Taylor Creek
This section is educational and is not insurance advice.
Fire and wind
- USDA Forest Service Wildfire Risk to Communities gives Okeechobee, FL a Risk to Homes national percentile rank of 0.798, which its methods call High (above the 70th percentile and below the 90th). That is the city rating, not a rating of Taylor Creek alone. The summary file is dated April 15, 2026.
The insurance market in Florida
- Citizens Property Insurance Corporation: 09.30.26 254,836 Policies in Force
What to ask your agent
- Ask the agent how old the roof is.
- Ask whether a wind-mitigation discount is available for this house.
- Ask how flood coverage differs from the homeowners policy. A standard homeowners policy does not cover flood. Flood coverage is a separate policy.
- Ask whether the policy has a separate hurricane or windstorm deductible, and how that deductible is calculated.
- Ask when coverage would start. A new National Flood Insurance Program policy generally takes effect 30 days after purchase.
Flood coverage and the 30-day wait: FEMA fact sheet, Jan. 21, 2025; 44 CFR 61.11.
How big is the last-resort insurance plan in Florida?
Citizens Property Insurance Corporation: 09.30.26 254,836 Policies in Force
What should I ask an insurance agent about a home in Taylor Creek?
Ask the agent how old the roof is. Ask whether a wind-mitigation discount is available for this house. Ask how flood coverage differs from the homeowners policy. A standard homeowners policy does not cover flood. Flood coverage is a separate policy. Ask whether the policy has a separate hurricane or windstorm deductible, and how that deductible is calculated. Ask when coverage would start. A new National Flood Insurance Program policy generally takes effect 30 days after purchase.
Sources: USDA Forest Service, Wildfire Risk to Communities, community summaries; Wildfire Risk to Communities methods; Citizens Property Insurance Corporation, Policies in Force.
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Before you rent or buy in Taylor Creek
- Look up the exact address on the FEMA Flood Map Service Center; a neighborhood can mix high-risk and minimal-hazard zones.
- Ask the landlord or seller about past flooding and flood insurance claims at the property.
- Get a flood insurance quote early: new NFIP policies usually take 30 days to start (FloodSmart (NFIP): Buy a Flood Insurance Policy).
- Ask which floor the unit is on and where parking, storage and mechanical equipment sit.
Living in Taylor Creek
Flood maps are only one part of choosing a neighborhood. To compare Taylor Creek with other Okeechobee neighborhoods on more than flooding, see Okeechobee on StrollPlace.
Buyer and renter FAQ
Does Taylor Creek flood?
Yes. Insured properties in and around Taylor Creek have filed flood claims. About 26% of Taylor Creek’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. NFIP flood insurance records list 41 claims from the Census block groups that cover Taylor Creek, from 1999 through 2022. 24 of them received a payment, totaling $161,792 (not adjusted for inflation). The busiest years were 2004 (21 claims), 2005 (8 claims), 2017 (4 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Taylor Creek in a flood zone?
About 26% of Taylor Creek’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. Shares by zone: X (shaded, 0.2% annual chance) 51%; AE 24%; X (unshaded, minimal) 24%; A 1.6%. The FIRM panel(s) covering it took effect July 16, 2015.
Which streets in Taylor Creek are in a high-risk flood zone?
No street listed here has most of its length in FEMA high-risk zones. Less than 10% of US Hwy 441, SE 27th St, SE 28th St, SE 40th Ave, SE 26th St, SE 21st Ct, SE 24th Blvd and SE 30th St does. Zones can change along a street, so check the exact address.
What ZIP code is Taylor Creek in?
Taylor Creek is in Okeechobee, FL. ZIP code 34974: the ZIP code on 41 of the 41 flood insurance claims counted here. ZIP codes do not follow neighborhood lines. Check the specific address for its own flood zone.
Do renters need flood insurance?
Standard renters policies usually do not cover flood. Renters in a community that participates in the NFIP can buy contents-only flood coverage, up to $100,000 for belongings.
How long does a new flood policy take to start?
A new NFIP policy generally takes effect 30 days after purchase. Exceptions include no wait when the policy is bought while making, increasing, extending or renewing a mortgage, and a one-day wait in a newly designated high-risk zone within 12 months of the map change.
How much coverage can NFIP provide?
For a one-to-four family home, NFIP building coverage goes up to $250,000 and contents coverage up to $100,000. You can buy flood insurance even if you are not in a high-risk zone, as long as your community participates in the NFIP.
How much is flood insurance in Taylor Creek?
The typical NFIP flood insurance policy on single-family homes in Taylor Creek cost $1,424 a year: the median of 92 policies that started between September 1, 2025 and August 31, 2026. Half cost between $1,162 and $1,904. One building’s quote can be far from this; its elevation, foundation, age, coverage and deductible all change the price.
FAQ sources: FloodSmart (NFIP): Buy a Flood Insurance Policy; FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025); 44 CFR 61.11, Effective date and time of coverage.
Nearby neighborhoods
How these numbers were made
Neighborhood boundary: U.S. Census Bureau, incorporated places and Census Designated Places (TIGERweb). Flood zone shares: the neighborhood polygon intersected with FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, area computed in an equal-area projection; retrieved November 1, 2026. Claims: OpenFEMA NFIP Redacted Claims v3 records for Okeechobee County (county code 12093), dataset as of September 8, 2026, retrieved November 1, 2026. A 2010 Census block group is counted for a neighborhood when at least 25% of the block group lies inside the neighborhood, or at least 25% of the neighborhood lies inside the block group. Block groups used: 120939104032 (46.6% of the block group is inside Taylor Creek), 120939105003 (50.4% of the block group is inside Taylor Creek), 120939104031 (100.0% of the block group is inside Taylor Creek). Neighboring pages can share a block group, so their counts can overlap. Paid totals add building, contents and Increased Cost of Compliance payments and are not adjusted for inflation; a claim whose FEMA record shows a negative payment (an adjustment) counts as zero. See the methodology.
Sources
- Federal Emergency Management Agency (FEMA), FEMA OpenFEMA Dataset: FIMA NFIP Redacted Claims - v3. Retrieved on November 1, 2026.
- FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Retrieved on November 1, 2026.
- U.S. Census Bureau, incorporated places and Census Designated Places (TIGERweb).
- U.S. Census Bureau TIGERweb, 2010 Census Block Groups.
- FEMA Glossary: Flood Zones.
- FloodSmart (NFIP): Buy a Flood Insurance Policy.
- FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025).
- 44 CFR 61.11, Effective date and time of coverage.
- OpenFEMA Terms and Conditions.
- FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3.
- USDA Forest Service, Wildfire Risk to Communities, community summaries.
- Wildfire Risk to Communities methods.
- Citizens Property Insurance Corporation, Policies in Force.
- U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads).
Data as of September 8, 2026 (FEMA claims) and November 1, 2026 (flood zones). Page last updated November 1, 2026.