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Flood Insurance in Nassau County, Florida

Your lender set the requirement. Nobody set the price.

Flood insurance paid $5.3 million on 172 claims in Nassau County after Hurricane Irma. That one event was 58% of everything flood insurance paid there in the past decade.[1]

Nassau County at a glance

Flood policies in force in Nassau County
8,103[2]
Flood claims paid in 10 years
$9.1[1]million
CRS discount, unincorporated Nassau County
15%[3]
First FEMA flood map
1984[4]

What floods have cost Nassau County

359[1]

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

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

  1. Hurricane Irma 2017, 172 claims $5.3M
  2. Hurricane Matthew 2016, 99 claims $1.5M
  3. Hurricane Francine 2024, 26 claims $1.4M
  4. Hurricane Debby 2024, 2 claims $214,780
  5. Hurricane Nicole 2022, 9 claims $150,149
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Flood zones in Nassau 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 AO Zone VE 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 Nassau County shaded
Nassau County, Florida[6]

What sets the price in Nassau County

Same flood zone, very different prices in Nassau 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 Nassau County: Community Rating System Class 7, 15% discount, on a scale that tops out at 45%. 0% 45%
Unincorporated Nassau County earns 15% off NFIP flood premiums in the high-risk zone.[3]

Find out what your Nassau County address needs

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

Questions about flood insurance in Nassau County

Is flood insurance required in Nassau County?

If your home is in a Special Flood Hazard Area (zones A, AE, AO, VE) 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 Nassau County?

Nassau County's 8,103 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 Nassau County?

The county average is $784 per year across 8,103 active NFIP policies (FEMA, July 2026). [2]

How much did Hurricane Irma cost Nassau County?

172 NFIP claims and $5.3 million paid in Nassau County, per federal claim records. [1]

Your flood toolkit for Nassau County

Keep reading about flood insurance in Nassau County

Counties next to Nassau County

Sources and dates

  1. FEMA OpenFEMA, FIMA NFIP Redacted Claims v2. Nassau County NFIP claims, last 10 years. Read July 4, 2026.
  2. FEMA OpenFEMA, FIMA NFIP Redacted Policies v2. Nassau County NFIP policies in force. Read July 4, 2026.
  3. FEMA CRS Eligible Communities, October 1, 2026 effective date (PDF). Nassau County Community Rating System class. Read November 4, 2026.
  4. FEMA NFIP Community Status Book, Florida. Nassau County first flood map. Read November 7, 2026.
  5. FEMA National Flood Hazard Layer (NFHL), layer 28 'Flood Hazard Zones', DFIRM_ID 12089C, distinct FLD_ZONE. Nassau 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. onenassau.com. Nassau County Emergency Management. Read November 7, 2026.
  11. nassaucountyfl.com. Nassau County floodplain management. Read November 7, 2026.
  12. onenassau.com. Nassau County evacuation zone lookup. Read November 1, 2026.
  13. onenassau.com. Nassau County special needs shelter registry. Read November 11, 2026.
  14. onenassau.com. Nassau County emergency alert sign-up. Read November 11, 2026.
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