This page is about the City of Daytona Beach, not all of Volusia County. The city runs its own flood program, so Daytona Beach has its own discount and its own claim record. Daytona Beach Shores, Ormond Beach, Holly Hill and South Daytona are separate NFIP communities with their own ratings, so their numbers are not on this page. For the countywide picture, see the Volusia County flood insurance guide.
City of Daytona Beach flood insurance in 5 numbers
| The short version | City of Daytona Beach | Source |
|---|---|---|
| NFIP policies in force | about 8,400 | FEMA policy records, July 2026 |
| Policies rated in an A or V zone | more than 38% | FEMA policy records, July 2026 |
| Average NFIP premium | about $476 per policy | FEMA policy records, July 2026 |
| Claims paid, last 10 years | about $116 million on about 1,570 claims | FEMA claim records, July 2026 |
| CRS discount | 25%, Class 5, since October 1, 2024 | FEMA Community Status Book |
FEMA does not mark the city on each policy. The Daytona Beach numbers on this page are built from Census neighborhoods (block groups) split by where the homes are, and some of those neighborhoods cross the city line. That is why every city figure is rounded and says "about."
Daytona Beach flood zones: which 2 maps matter?
Two different maps answer two different questions in the City of Daytona Beach.
| FEMA flood zone | Volusia County evacuation zone |
|---|---|
| Decides if your lender can require flood insurance | Tells you when to leave before a storm |
| Look up your FEMA zone | Volusia County Know Your Zone map |
FEMA's flood study for Volusia County lists zones A, AE, AH and VE, plus lower-risk X areas, inside the City of Daytona Beach. The VE zone is where ocean waves add to the flood risk along the beach.
Zones that start with A or V are high-risk areas. A Daytona Beach home there with a federally backed mortgage must carry flood insurance. Zone X has no federal requirement, but floods do not stop at map lines. In Daytona Beach, about 6 in 10 policies are on homes outside the high-risk zones.
You can see the official maps at the FEMA Flood Map Service Center.
An elevation certificate shows your first floor height against the base flood elevation. The City of Daytona Beach gives copies on request for high-risk zone buildings built after 1986, if one is available: see the City of Daytona Beach's flood protection page.
Your evacuation zone is a separate map. It shows where storm surge may reach, so it tells you when to leave Daytona Beach. Find your address on the county's Know Your Zone map.
What does flood insurance cost in the City of Daytona Beach?
The average NFIP policy in the City of Daytona Beach costs about $476 a year. That is an average per policy. It is not what a single-family home in Daytona Beach pays. Condo units count as one policy each, and Daytona Beach has about 8,400 policies on about 3,970 policy records, so condo buildings pull the average down. Your own price can land far from it. Three things move it.
1. Same flood zone, very different prices. Your flood zone decides if a lender requires flood insurance. The price depends on the home itself: how high the first floor sits, what it would cost to rebuild, and how often that spot floods. Two Daytona Beach homes on the same street can get very different prices. An elevation certificate may lower an NFIP price. A lender must also accept a private policy that meets the federal rules.
2. The City of Daytona Beach's own 25% discount. The City of Daytona Beach is its own NFIP community. It earns its own Community Rating System (CRS) score. FEMA rates the city Class 5, worth a 25% discount on NFIP premiums for eligible policies. The class took effect on October 1, 2024. Unincorporated Volusia County and the beach towns next door each have their own class, so two addresses a few miles apart can get different discounts. Under Risk Rating 2.0 the city's discount applies city-wide.
Confirm your 25% credit is applied. If your home is inside City of Daytona Beach limits, check your declarations page for the CRS credit. Check my address to confirm which community your home is in.
3. The claim record around you. The City of Daytona Beach has about 2,140 NFIP claims on record all time, and about 1,570 of them came in the last 10 years. Most of that record is recent. That is why lenders ask for proof of flood coverage, and why a Daytona Beach home outside the high-risk zone is not a home that never floods.
ZIPs that cover part of Daytona Beach, Volusia County
6 ZIP codes cover part of Daytona Beach in Volusia County. A ZIP code does not follow city limits. When a ZIP is shared, its numbers are for the whole ZIP, not only the Daytona Beach part.
| ZIP | Shared with | NFIP policies | Average premium paid (a year) | Share in high-risk zones | NFIP claims, last 10 years |
|---|---|---|---|---|---|
| 32124 | Unincorporated Volusia County | 644 | $787 | 26% | 29 |
| 32114 | No other city | 2,402 | Not shown* | 74% | 1,252 |
| 32117 | Holly Hill, part unincorporated Volusia County | 1,609 | Not shown* | 55% | 476 |
| 32174 | Ormond Beach, Bunnell (Flagler County), part unincorporated Volusia County | 2,867 | $727 | 38% | 447 |
| 32119 | South Daytona | 2,934 | Not shown* | 73% | 1,326 |
| 32118 | Daytona Beach Shores, part unincorporated Volusia County | 8,882 | Not shown* | 8% | 336 |
ZIP 32174 also reaches into Flagler County. Its numbers are for the whole ZIP, in both counties.
* In these ZIP codes, FEMA counts each condo unit as its own policy. That pulls the average far below what a house pays, so we show the policies and claims, not the average.
An average is not a price. Under Risk Rating 2.0, two homes in the same Daytona Beach ZIP and the same flood zone can pay very different amounts.
Look up any Florida ZIP in the flood insurance by ZIP code table.
Volusia County emergency numbers for Daytona Beach residents
| Who | Phone | What they handle |
|---|---|---|
| Volusia County Emergency Management | (386) 736-2700 | Storm prep, evacuations, shelter openings |
| Volusia County floodplain management | (386) 822-6422 | County flood questions |
These are county offices. They serve City of Daytona Beach residents too. Flood rules and permits inside the city belong to the City of Daytona Beach.
Shelters. Volusia County does not post a standing shelter list. It opens public shelters storm by storm, based on need. When shelters open, the county posts them at www.volusia.org/PIN and in the Volusia County emergency preparedness app. The Citizens Information Hotline, (866) 345-0345, is turned on only during an emergency. Votran gives free rides to public shelters from all of its regular bus stops.
If you will need help to leave, sign up on the state special needs registry. For storm alerts, sign up for Volusia County emergency notifications.
City of Daytona Beach storm links. City storm news is on the City of Daytona Beach Emergency Management page.
If your Daytona Beach home floods: 5 steps
- Stay safe. Do not walk or drive through flood water.
- Take photos and video of every room before you clean up.
- Call your insurance company and file the claim fast.
- Make a list of damaged items. Keep receipts for cleanup and repairs.
- Ask the City of Daytona Beach about permits before you rebuild.
The substantial damage rule. If repairs cost half or more of the building's market value, federal rules call the home "substantially damaged." It must then be brought up to current flood rules, which can mean raising it. In the last 10 years, flood insurance paid about $116 million on claims inside the City of Daytona Beach. The City of Daytona Beach runs its own flood rules as its own NFIP community, so ask the city how it counts the cost. Increased Cost of Compliance (ICC) coverage on an NFIP policy can help pay for that work.
4 Volusia County storms behind these numbers
Claims by storm are kept for the whole county, not the city alone. These are Volusia County figures. The City of Daytona Beach's own 10-year total is the about $116 million above.
| Storm | Year | NFIP claims in Volusia County | Paid in Volusia County |
|---|---|---|---|
| Hurricane Ian | 2022 | 3,488 | $241,868,174 |
| Hurricane Milton | 2024 | 2,791 | $192,737,030 |
| Hurricane Irma | 2017 | 946 | $53,263,023 |
| Hurricane Nicole | 2022 | 524 | $28,539,835 |
Hurricane Ian in 2022 paid $241,868,174 on 3,488 claims across Volusia County, the most of any storm in the table. Hurricane Nicole came the same year, and Hurricane Milton two years later. Claims by storm are not split by city, so this shows the size of each storm, not what it paid in Daytona Beach.
Buying or closing in Daytona Beach? Read this first
More than 38% of City of Daytona Beach policies sit in a high-risk zone. If your home is in one and you have a federally backed mortgage, your lender will ask for proof of flood insurance before closing. Ask the Daytona Beach seller for an elevation certificate and ask whether the seller's flood policy can be assigned to you at closing. Buying a condo? Ask the association about its building flood policy.
NFIP flood policies have a 30-day waiting period. The big exception: if you buy the policy as part of getting, refinancing, increasing, extending or renewing a loan on the home, coverage can start at closing with no wait, as long as the application and payment are in by closing. If a new flood map just put your home in a high-risk zone, you can buy within 13 months of the map date and wait only one day. A lender asking for flood coverage partway through an existing loan does not skip the wait. Private flood policies set their own waiting periods, often shorter. For a City of Daytona Beach closing, start on flood insurance the day you sign a contract.
In Daytona Beach, more than 38% of NFIP policies (July 2026) are rated in an A or V zone, where a federally backed mortgage requires flood insurance. All major lenders accept private flood insurance under federal guidelines. The policy has to meet the federal definition of private flood insurance, so look for that statement on the policy or ask your lender. Private flood can cost less for some Daytona Beach homes and more for others. What a lender can require.
Buying in Daytona Beach? Start with the buyer guide
City of Daytona Beach flood insurance: 6 questions
How much is flood insurance in the City of Daytona Beach? The NFIP average is about $476 per policy, per FEMA records from July 2026. That is an average per policy, and condo units count one each, so it is not what a single-family home pays. Your own price depends on your home.
Does the City of Daytona Beach get a flood insurance discount? Yes. FEMA rates the City of Daytona Beach Class 5 in the Community Rating System. That is worth 25% off NFIP premiums for eligible policies, since October 1, 2024.
Is the City of Daytona Beach discount the same as Volusia County's? No. The City of Daytona Beach is its own NFIP community with its own class. Unincorporated Volusia County has its own, separate class.
How long is the wait for a new flood policy? Daytona Beach's about 8,400 NFIP policies (July 2026) 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).
Where do I find my evacuation zone? Put your Daytona Beach address into Volusia County's Know Your Zone map. It is a different map from your FEMA flood zone.
Do I need flood insurance in zone X in Daytona Beach? A lender does not have to require it in zone X. Many Daytona Beach owners buy it anyway, because heavy rain floods homes outside high-risk zones too.
Explore Volusia County and Florida flood guides
- Volusia County flood insurance: the county numbers, storms and contacts
- Flagler County flood insurance: the county just north
- Brevard County flood insurance: the county just south
- Seminole County flood insurance: the county to the southwest
- Florida flood insurance: the state picture
- The 30-day wait and its exceptions
- Flood insurance questions, answered
Sources: OpenFEMA NFIP policies and claims (FEMA, data as of July 4, 2026, split to the City of Daytona Beach by Census block group); FEMA NFIP Community Status Book, City of Daytona Beach row (read November 12, 2026); FEMA Flood Insurance Study, Volusia County, flood zone designations by community (read November 10, 2026); OpenFEMA NFIP claims by storm, Volusia County; Volusia County Emergency Management, Know Your Zone, shelter, special needs and alert pages (read November 1, 11 and 12, 2026); City of Daytona Beach flood protection page (read November 13, 2026); U.S. Census 2020 and 2024 Gazetteer.
Lender says you need flood insurance? Read what the law requires and what you still choose.
Own a business, condo or apartment building in Daytona Beach? Read the Florida commercial flood insurance guide.
Page data last verified 2026-11-12. Every figure links to the federal or county record it came from.