For the purposes of Basic Group II rating the State of Florida is divided into Seacoast and Inland Territories with the Seacoast Territory further subdivided into three zones and Monroe County. The following alphabetical list of Counties shows the various divisions:

Alachua: Inland

Baker: Inland

Bay:

1. All areas South of the North Bank of the Intracoastal Waterway: Seacoast – Zone 2.
2. Remainder of County: Seacoast – Zone 3.

Bradford: Inland

Brevard:

1. All areas East of the West Bank of the Indian River: Seacoast – Zone 2.
2. Remainder of the County: Seacoast – Zone 3.

Broward: Seacoast – Zone 1.

Calhoun: Inland

Charlotte:

1. All areas West of Myakka River and Charlotte Harbor: Seacoast – Zone 2.
2. Remainder of County: Seacoast – Zone 3.

Citrus:

1. Towns of Chassahowitzka, Ozello and Homosassa and any other towns or communities lying wholly West of U.S. Highway No. 19: Seacoast – Zone 2.
2. Remainder of County: Seacoast – Zone 3.

Clay: Inland

Collier: Seacoast – Zone 2.

Columbia: Inland

De Soto: Seacoast – Zone 3.

Dixie:

1. Towns of Horseshoe Beach, Jena, Stewart City and Suwanee and any other towns or communities lying wholly South or West of U.S. Highway No. 19: Seacoast – Zone 2.
2. Remainder of County: Seacoast – Zone 3.

Duval:

1. All areas East of the West Bank of the Intracoastal Waterway: Seacoast – Zone 2.
2. Remainder of County: Inland.

Escambia:

1. All areas South of the North Bank of the Intracoastal Waterway: Seacoast – Zone 2.
2. Remainder of County: Seacoast – Zone 3.

Flagler:

1. All areas East of the West Bank of the Intracoastal Waterway: Seacoast – Zone 2.
2. Remainder of County: Seacoast – Zone 3.

Franklin: Seacoast – Zone 2.

Gadsden: Inland

Gilchrist: Inland

Glades: Seacoast – Zone 2.

Gulf:

1. All areas South of the North Bank of the Intracoastal Waterway: Seacoast – Zone 2.
2. Remainder of County: Seacoast – Zone 3.

Hamilton: Inland

Hardee: Seacoast – Zone 3.

Hendry: Seacoast – Zone 2.

Hernando:

1. Towns of Bayport and Pine Island and any other towns or communities lying wholly West of U.S Highway No. 19: Seacoast – Zone 2.
2. Remainder of County: Seacoast – Zone 3.

Highlands: Seacoast – Zone 3.

Hillsborough: Seacoast – Zone 3.

Holmes: Inland

Indian River:

1. All areas East of the West Bank of the Intracoastal Waterway: Seacoast – Zone 1.
2. Remainder of County: Seacoast – Zone 2.

Jackson: Inland

Jefferson:

1. All areas South of U.S. Highway No. 98 (Florida State Highway No. 30): Seacoast – Zone 2.
2. Remainder of County: Inland.

Lafayette: Inland

Lake: Inland

Lee:

1. All Beaches and Islands lying West of the Mainland, including the town of Punta Rassa: Seacoast – Zone 2.
2. Remainder of County: Seacoast – Zone 3.

Leon: Inland

Levy:

1. Towns of Cedar Key, Elizey, Rosewood, Summer, and Yankeetown and any other towns or communities lying wholly South or West of U.S. Highway No. 19: Seacoast – Zone 2.
2. Remainder of County: Seacoast – Zone 3.

Liberty: Inland

Madison: Inland

Manatee:

1. Towns of Anna Maria, Bradenton Beach, Cortez, Long Beach and Terra Ceia, including all Beaches and Islands West of the Mainland: Seacoast – Zone 2.
2. Remainder of County: Seacoast – Zone 3.

Marion: Inland

Martin: Seacoast – Zone 1.

Miami – Dade: Seacoast – Zone 1.

Monroe: Seacoast. Rates are provided separately for Key West and the remainder of Monroe County.

Nassau:

1. All areas East of the West Bank of the Intracoastal Waterway: Seacoast – Zone 2.
2. Remainder of County: Inland

Okaloosa:

1. All areas South of the North Bank of the Intracoastal Waterway: Seacoast – Zone 2.
2. Remainder of County: Seacoast – Zone 3.

Okeechobee: Seacoast – Zone 2.

Orange: Inland

Osceola: Inland

Palm Beach: Seacoast – Zone 1.

Pasco:

1. Town of Aripeka and any other towns or communities lying wholly West of U.S. Highway No. 19: Seacoast – Zone 2.
2. Remainder of County: Seacoast – Zone 3.

Pinellas:

1. All areas West of the East Bank of the Intracoastal Waterway: Seacoast – Zone 2.
2. Remainder of County: Seacoast – Zone 3.

Polk: Inland

Putnam: Inland

St. Johns:

1. All areas East of the West Bank of the Intracoastal Waterway: Seacoast – Zone 2.
2. Remainder of County: Seacoast – Zone 3.

St. Lucie:

1. All areas East of the West Bank of the Intracoastal Waterway: Seacoast – Zone 1.
2. Remainder of County: Seacoast – Zone 2.

Santa Rosa:

1. All areas South of the North Bank of the Intracoastal Waterway: Seacoast – Zone 2.
2. Remainder of County: Seacoast – Zone 3.

Sarasota

1. Beginning at the Northern Boundary of County and Southward all areas West of the East Bank of the Intracoastal Waterway to Midnight Pass thence Southward all areas West of the Myakka River to the Southern Boundary of the County: Seacoast – Zone 2.
2. Remainder of County: Seacoast – Zone 3.

Seminole: Inland

Sumter: Inland

Suwanee: Inland

Taylor:

1. Towns of Adams Beach, Fish Creek, Keatons Beach, and Steinhatchee, and any other towns or communities lying wholly South or West of U.S. Highway No. 98: Seacoast – Zone 2.
2. Remainder of County: Seacoast – Zone 3.

Union: Inland

Volusia:

1. All areas East of the West Bank of the Intracoastal Waterway: Seacoast – Zone 2.
2. Remainder of County: Seacoast – Zone 3.

Wakulla:

1. Towns of Panacea, St. Marks, Spring Creek and Wakulla Beach, and any other towns or communities lying wholly South or East of U.S. Highway No. 98: Seacoast – Zone 2.
2. Remainder of County: Seacoast – Zone 3.

Walton:

1. All areas South of the North Bank of the Intracoastal Waterway: Seacoast – Zone 2.
2. Remainder of County: Seacoast – Zone 3.

Washington: Inland