Sumter County, FL: flood zone, zoning and property lines by address
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Towns in Sumter County: The Villages, Bushnell, Wildwood.
Flood zone by address
ParcelSheet reads FEMA's National Flood Hazard Layer at the lot: the zone, whether it is a high risk area where lenders ask for flood insurance, and the base flood elevation where FEMA lists one. FEMA's countywide study for Sumter County has 155 FIRM panels, the newest effective June 2020; no coastal V zones are mapped in it.
The official panel and any Letter of Map Amendment are at FEMA's Map Service Center. An elevation certificate for a Sumter house comes from a licensed surveyor and is often on file with the county or city building office (Building Services).
Property lines
The parcel outline, parcel number and mapped size come from the Florida statewide cadastral (county property appraiser parcels with the Department of Revenue tax roll), so a Sumter lot shows the same lines the property appraiser draws. Sumter County covers about 356,567 acres of land and 14,523 acres of water.
Mapped lines are approximate. The Sumter County Property Appraiser keeps the parcel record; a licensed surveyor sets the true corners.
An example from the county's own records: parcel J26-022 in Sumterville, a lot with one house, about 108,900 square feet as mapped, the house built in 1991. Open it to see every card ParcelSheet draws for a Sumter lot.
Zoning
Sumter County zones its unincorporated land, and Bushnell, Wildwood each zone the land inside their limits. ParcelSheet shows the use the property appraiser lists for the lot and links Planning for the district, the uses it allows and the lot size it needs.
ADU and guest houses
Florida Statute 163.31771 lets local governments allow an accessory dwelling unit on a lot with a house. Whether a Sumter lot can add one depends on its district; Planning has the rule. ParcelSheet shows the mapped lot size and the ground's slope, the first two things the question turns on.
Septic and soil
ParcelSheet reads the USDA soil survey at the lot: the soil's name, its septic absorption rating and whether it is prime farmland. Sumter County is soil survey area FL119, Sumter County, Florida, last updated September 2026, on Web Soil Survey.
A new or changed septic system in Sumter County needs a permit from the Florida Department of Health in Sumter County, which tests the soil on the lot itself.
Setbacks
Setbacks in Sumter County come from the zoning district: the front, side and rear distances a house must keep. ParcelSheet does not draw setback lines; Planning gives them for the lot's district, and Bushnell and Wildwood for land inside their limits.
Hazards that apply
- Sinkholes. The Florida Geological Survey lists 45 subsidence incident reports in Sumter County (the reports). They are reports, not confirmed sinkholes; ParcelSheet does not rate a lot for sinkholes.
- Wind. The Florida Building Code sets the design wind speed for a house in Sumter County; the building office (Building Services) applies it at permit.
- Wetlands and wildfire. ParcelSheet shows the National Wetlands Inventory near a Sumter lot and the Forest Service wildfire hazard rating at it.
Questions
Is my house in a flood zone in Sumter County?
Type the address in the box above and ParcelSheet reads FEMA's flood zone at the lot's center. FEMA's countywide flood map for Sumter County has 155 panels, the newest effective June 2020. A lender or insurer uses the official FIRM panel; FEMA's Map Service Center has it.
How do I find property lines in Sumter County?
Open the Florida map, type the address, and the parcel outline from the county property appraiser shows on the map with its parcel number and mapped size. The Sumter County property appraiser keeps the official record. Mapped lines are approximate; only a licensed surveyor sets the true corners.
What is my property zoned in Sumter County?
Zoning in Sumter County is set by the county for unincorporated land and by each city (such as Bushnell, Wildwood) inside its own limits. ParcelSheet shows the use code the property appraiser lists and links the office that sets the zoning; the planning office has the final word.
Can I build an ADU in Sumter County?
Florida Statute 163.31771 lets counties and cities allow an accessory dwelling unit, and each sets its own rules. In Sumter County ask the zoning office for the lot's district first; ParcelSheet shows the lot size as mapped so you can see the room you have.
Do I need a septic permit in Sumter County?
Yes. A new or changed septic system in Sumter County needs a permit from the Florida Department of Health in Sumter County. ParcelSheet shows the USDA soil survey's septic rating at the lot, from survey area FL119 (Sumter County, Florida).
Next to Sumter County: Citrus County, Hernando County, Lake County, Marion County, Pasco County, Polk County.
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