Call or text (727) 516-0111Check my address

Flood Insurance in Clay County, Florida

Your lender set the requirement. Nobody set the price.

Flood insurance paid $60.7 million on 765 claims in Clay County after Hurricane Irma. That one event was 94% of everything flood insurance paid there in the past decade.[1]

Clay County at a glance

Flood policies in force in Clay County
3,977[2]
Flood claims paid in 10 years
$64.8[1]million
CRS discount, unincorporated Clay County
20%[3]
First FEMA flood map
1981[4]

What floods have cost Clay County

915[1]

Flood claims filed in Clay County in the last 10 years.

Flood claims paid in Clay County, by storm[1]

  1. Hurricane Irma 2017, 765 claims $60.7M
  2. Hurricane Nicole 2022, 21 claims $1.2M
  3. Hurricane Ian 2022, 7 claims $182,129
  4. Hurricane Milton 2024, 2 claims $109,395
  5. December Nor'easter 2023, 3 claims $12,248
Clay County is the record. Your street is next: check your address.

That is the county. What about your street? Check my address

Flood zones in Clay County

Same flood zone, very different prices. Your zone decides if a lender requires flood insurance. The price depends on the home itself.

Zone A Zone AE Zone AH Zone X [5]

If your home is in a high-risk zone and your mortgage comes from a federally regulated or insured lender, flood insurance is required.

Map of Florida with Clay County shaded
Clay County, Florida[6]

What sets the price in Clay County

Same flood zone, very different prices in Clay County. Here is why.

Your zone decides whether the lender requires flood insurance. It does not set your NFIP price. Since 2021, FEMA prices each policy from the building and its spot.[7]

  1. How often the spot floods. FEMA looks at how often flooding reaches the building's location.
  2. How close it sits to water. The distance from the building to a flooding source.
  3. The building itself. How high the first floor sits and what it would cost to rebuild.
Unincorporated Clay County: Community Rating System Class 6, 20% discount, on a scale that tops out at 45%. 0% 45%
Unincorporated Clay County earns 20% off NFIP flood premiums in the high-risk zone.[3]

Find out what your Clay County address needs

Your flood zone and your community's discount, in one check.

Questions about flood insurance in Clay County

Is flood insurance required in Clay County?

If your home is in a Special Flood Hazard Area (zones A, AE, AH) and you have a federally backed mortgage, yes. In zone X it is optional. Homeowners insurance does not cover flood. [8][5]

Is there a waiting period for flood insurance in Clay County?

Clay County's 3,977 NFIP policies follow federal rules: 30 days for a standard NFIP purchase. No wait when the policy is bought as part of getting, refinancing, increasing, extending or renewing a loan on the home. One day when a new flood map just placed the home in a high-risk zone (within 13 months of the map date). [9][2]

What does flood insurance cost in Clay County?

The county average is $853 per year across 3,977 active NFIP policies (FEMA, July 2026). [2]

How much did Hurricane Irma cost Clay County?

765 NFIP claims and $60.7 million paid in Clay County, per federal claim records. [1]

Your flood toolkit for Clay County

  • Emergency management

    Clay County Division of Emergency Management[10]

    Call (877) 252-9362

  • Flood zone help

    Clay County Floodplain Manager (Maria Haney), Planning & Zoning[11]

    Call (904) 541-3825

Keep reading about flood insurance in Clay County

Counties next to Clay County

Sources and dates

  1. FEMA OpenFEMA, FIMA NFIP Redacted Claims v2. Clay County NFIP claims, last 10 years. Read November 5, 2026.
  2. FEMA OpenFEMA, FIMA NFIP Redacted Policies v2. Clay County NFIP policies in force. Read July 4, 2026.
  3. FEMA CRS Eligible Communities, October 1, 2026 effective date (PDF). Clay County Community Rating System class. Read November 4, 2026.
  4. FEMA NFIP Community Status Book, Florida. Clay County first flood map. Read November 5, 2026.
  5. FEMA National Flood Hazard Layer (NFHL), layer 28 'Flood Hazard Zones', DFIRM_ID 12019C, distinct FLD_ZONE. Clay County flood zones. Read November 10, 2026.
  6. U.S. Census Bureau, cartographic boundary files, 2017 edition, 1:10,000,000 (as redistributed in us-atlas 3.0.1). County and state outlines on the map. Read October 27, 2026.
  7. FEMA, Understanding Risk Rating 2.0 fact sheet, July 2025. The rating variables: frequency of flooding, proximity to flood sources, first floor height and the cost to rebuild; Risk Rating 2.0 since October 1, 2021. Read October 26, 2026.
  8. 42 U.S.C. 4012a, Flood insurance purchase requirements. A federally regulated lender requires flood insurance on a building in a Special Flood Hazard Area. Read October 26, 2026.
  9. 44 CFR 61.11, Effective date and time of coverage. The 30-day wait, the loan exception and the map revision exception. Read October 29, 2026.
  10. claycountygov.com. Clay County Division of Emergency Management. Read November 8, 2026.
  11. claycountygov.com. Clay County Floodplain Manager (Maria Haney), Planning & Zoning. Read November 8, 2026.
Check my address Call Text