Flood Claims Map

Florida

Flood insurance claims in St. Johns County, Florida

FEMA records 7,639 National Flood Insurance Program claims in St. Johns County, Florida, since 1978, with $252.4 million paid in total. The year with the most claims was 2016, with 3,456. As of 3 August 2026, 23.2% of homes here had an NFIP policy.

NFIP claims on record7,639
Total paid$252.4 million
Claims with a payment5,841
Homes with NFIP policy23.2%
High-risk zone homes insuredn/a
Residential policies in force22,491

Claims by year of loss

1978: 219781979: 91980: 01981: 31982: 2619821983: 41984: 451985: 71986: 319861987: 11988: 21989: 621990: 419901991: 141992: 501993: 91994: 3219941995: 971996: 481997: 111998: 1219981999: 2012000: 62001: 1702002: 720022003: 142004: 1152005: 112006: 420062007: 612008: 632009: 342010: 620102011: 232012: 452013: 442014: 920142015: 132016: 3,4562017: 1,7232018: 1720182019: 202020: 362021: 182022: 1,00120222023: 202024: 712025: 82026: 220263,456

NFIP claims by year of loss, St. Johns County, Florida

1978: $1,36019781979: $28,0001980: $01981: $9971982: $167,56019821983: $01984: $125,0881985: $9971986: $2,57119861987: $01988: $1,1551989: $215,1401990: $69219901991: $34,2371992: $288,5371993: $30,9191994: $250,49919941995: $392,3901996: $191,9511997: $95,8821998: $53,99019981999: $1.9 million2000: $10,4432001: $1.1 million2002: $28,07520022003: $85,9942004: $487,9022005: $43,7522006: $6,54020062007: $803,5662008: $506,7872009: $263,7012010: $020102011: $89,3922012: $210,8592013: $455,4962014: $13,42520142015: $186,7132016: $148.0 million2017: $62.7 million2018: $258,41120182019: $106,5002020: $591,9582021: $760,6622022: $31.0 million20222023: $102,3882024: $622,4042025: $145,5912026: $02026$148.0 million

Paid on claims by year of loss (building, contents and increased cost of compliance), St. Johns County, Florida

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Matthew3,411
Hurricane Irma1,654
Hurricane Ian645
Hurricane Nicole329
Torrential rain159
Hurricane Floyd157
Tropical Storm Fay60
Hurricane Frances59

ZIP codes with the most claims

ZIP code (as reported)Claims
320803,376
320842,327
320821,228
32092275
32086134
32095113
32259108
3214548
320818
320335

6,406 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $215.4 million, contents $34.7 million, increased cost of compliance $2.3 million.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone2,7839,526n/a
All homes96,80322,49123.2%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

  1. FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
  2. FEMA, OpenFEMA NFIP Residential Penetration Rates, as of 3 August 2026

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.