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Flood Insurance in St. Johns County, Florida

Your lender set the requirement. Nobody set the price.

Hurricane Irma alone led to 1,654 NFIP flood claims in St. Johns County and $61,814,569 in payouts. That one storm is about a quarter of all the flood insurance money paid in St. Johns County in the past 10 years.[1]

St. Johns County at a glance

Flood policies in force in St. Johns County
30,564[2]
Flood claims paid in 10 years
$244.5[3]million
CRS discount, unincorporated St. Johns County
25%[4]
First FEMA flood map
1973[5]

What floods have cost St. Johns County

6,368[3]

Flood claims filed in St. Johns County in the last 10 years.

Flood claims paid in St. Johns County, by storm[3]

  1. Hurricane Irma 2017, 1,654 claims $61.8M
  2. Hurricane Ian 2022, 645 claims $24.8M
  3. Hurricane Nicole 2022, 329 claims $6.2M
  4. Hurricane Milton 2024, 40 claims $514,321
  5. Nor'easter 2025, 6 claims $130,866
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Flood zones in St. Johns County

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

A zones Zone AE Zone AH Zone AO Zone VE [6]

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 St. Johns County shaded
St. Johns County, Florida[7]

What sets the price in St. Johns County

Same flood zone, very different prices in St. Johns 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.[8]

  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 St. Johns County: Community Rating System Class 5, 25% discount, on a scale that tops out at 45%. 0% 45%
Unincorporated St. Johns County earns 25% off NFIP flood premiums in the high-risk zone.[4]

Find out what your St. Johns County address needs

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

Questions about flood insurance in St. Johns County

Is flood insurance required in St. Johns County?

If your home is in a Special Flood Hazard Area (zones A, AE, AH, AO, VE) and you have a federally backed mortgage, yes. Homeowners insurance does not cover flood. [9][6]

Is there a waiting period for flood insurance in St. Johns County?

NFIP rules apply the same in St. Johns 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). [10]

What does flood insurance cost in St. Johns County?

The county average is $828 per year across 30,564 active NFIP policies (FEMA, July 2026). [2]

How much did Hurricane Irma cost St. Johns County?

1,654 NFIP claims and $61.8 million paid in St. Johns County, per federal claim records. [3]

Your flood toolkit for St. Johns County

  • Emergency management

    St. Johns County Emergency Management[11]

    Call (904) 824-5550

  • Flood zone help

    St. Johns County Floodplain Management Team[6]

    Call (904) 827-6800

  • Your evacuation zone

    Look up your St. Johns County evacuation zone[12]

    Open the county's page

Keep reading about flood insurance in St. Johns County

Counties next to St. Johns County

Sources and dates

  1. FEMA OpenFEMA, FIMA NFIP Redacted Claims v2. St. Johns County NFIP flood claims. Read November 4, 2026.
  2. FEMA OpenFEMA, FIMA NFIP Redacted Policies v2. St. Johns County NFIP policies in force. Read July 4, 2026.
  3. FEMA OpenFEMA, FIMA NFIP Redacted Claims v2. St. Johns County NFIP claims, last 10 years. Read November 4, 2026.
  4. FEMA CRS Eligible Communities, October 1, 2026 effective date (PDF). St. Johns County Community Rating System class. Read November 4, 2026.
  5. FEMA NFIP Community Status Book, Florida. St. Johns County first flood map. Read November 4, 2026.
  6. sjcfl.us. St. Johns County flood zones. Read November 4, 2026.
  7. 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.
  8. 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.
  9. 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.
  10. 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.
  11. sjcfl.us. St. Johns County Emergency Management. Read November 4, 2026.
  12. sjcfl.us. St. Johns County evacuation zone lookup. Read November 1, 2026.
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