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Flood Insurance in Duval County, Florida

Your lender set the requirement. Nobody set the price.

Hurricane Irma alone led to 1,985 NFIP flood claims in Duval County and $142,725,080 in payouts. That one storm is 81% of all the flood insurance money paid in Duval County in the past 10 years.[1]

Duval County at a glance

Flood policies in force in Duval County
26,837[2]
Flood claims paid in 10 years
$176.4[3]million
CRS discount, unincorporated Duval County
20%[4]

What floods have cost Duval County

3,083[3]

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

Flood claims paid in Duval County, by storm[3]

  1. Hurricane Irma 2017, 1,985 claims $142.7M
  2. Hurricane Nicole 2022, 211 claims $9.8M
  3. Hurricane Ian 2022, 42 claims $935,173
  4. Hurricane Idalia 2023, 1 claims $97,062
  5. Hurricane Milton 2024, 8 claims $82,815
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Flood zones in Duval County

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

Map of Florida with Duval County shaded
Duval County, Florida[5]

What sets the price in Duval County

Same flood zone, very different prices in Duval 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.[6]

  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 Duval County: Community Rating System Class 6, 20% discount, on a scale that tops out at 45%. 0% 45%
Unincorporated Duval County earns 20% off NFIP flood premiums in the high-risk zone.[4]

Find out what your Duval County address needs

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

Questions about flood insurance in Duval County

Is flood insurance required in Duval County?

If your home is in a Special Flood Hazard Area and you have a federally backed mortgage, yes. Homeowners insurance does not cover flood. [7]

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

NFIP rules apply the same in Duval County: 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). [8]

What does flood insurance cost in Duval County?

The county average is $797 per year across 26,837 active NFIP policies (FEMA, July 2026). [2]

How much did Hurricane Irma cost Duval County?

1,985 NFIP claims and $142.7 million paid in Duval County, per federal claim records. [3]

Your flood toolkit for Duval County

  • Emergency management

    Duval County Emergency Management[9]

    Call (904) 255-3110

  • Flood zone help

    City of Jacksonville Floodplain Coordinator (Michael Stanfield, CFM), Development Services Division[10]

    Call (904) 255-8366

  • Your evacuation zone

    Look up your Duval County evacuation zone[11]

    Open the county's page

Keep reading about flood insurance in Duval County

Counties next to Duval County

Sources and dates

  1. FEMA OpenFEMA, FIMA NFIP Redacted Claims v2. Duval County NFIP flood claims. Read November 4, 2026.
  2. FEMA OpenFEMA, FIMA NFIP Redacted Policies v2. Duval County NFIP policies in force. Read July 4, 2026.
  3. FEMA OpenFEMA, FIMA NFIP Redacted Claims v2. Duval County NFIP claims, last 10 years. Read November 4, 2026.
  4. FEMA CRS Eligible Communities, October 1, 2026 effective date (PDF). Duval County Community Rating System class. Read November 4, 2026.
  5. 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.
  6. 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.
  7. 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.
  8. 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.
  9. jaxready.com. Duval County Emergency Management. Read November 4, 2026.
  10. )/floodplain-management. City of Jacksonville Floodplain Coordinator (Michael Stanfield, CFM), Development Services Division. Read November 8, 2026.
  11. jaxready.com. Duval County evacuation zone lookup. Read November 1, 2026.
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