Menu

Flood insurance cost · Clay County, FL

Flood insurance cost in Clay County, Florida

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 3,929 home policies in force on August 31, 2026.

Clay County, FloridaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,060a year

Half of insured homes paid between $813 and $1,264. That is 4% more than the Florida median ($1,017). Most insured homes here are rated in zone X (58%).

$0$813 · $1,060 · $1,264$1,580
+13.9% vs Aug 31, 2025 (median $931)
3,929home policies in force
$1,095average cost (mean)
42%of insured homes in high-risk zones (A, V)
$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Cost by flood zone in Clay County

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone AE
High risk		$1,210$930–$1,554$1,2901,263 (32%)+10.7%
Zone A
High risk		$1,021$731–$1,372$1,103383 (10%)+1.9%
Zone AH
High risk, shallow		$898$856–$1,220$1,02321 (1%)±0.0%
Zone X
Moderate to low risk		$998$798–$1,164$9862,262 (58%)+7.5%

Not shown (fewer than 10 home policies): VE, AO, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Clay County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home3,697$1,067$1,100
2–4 unit building35$1,125$1,032
Manufactured (mobile) home161$1,021$1,092
Condo or apartment unit36$505$699
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		47$1,835$2,805
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		130$1,825$2,199
4,106NFIP policies in force, any building
4,167insured units (condo association policies count every unit)
88%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Clay County

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force4,2663,929−7.9%
Median annual cost$931$1,060+13.9%
Average annual cost$1,008$1,095+8.6%
All policies in force (any building)4,4554,106−7.8%

How many homes have flood insurance?

5.1%of all homes in Clay County have an NFIP policy
48.5%of homes in high-risk zones (special flood hazard area) have one
78,156residential buildings counted by FEMA
3,451of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Clay County, Florida have filed 1,741 flood claims. 1,381 received a payment, for a total of $76.2 million (an average of $55,145 per paid claim). The year with the most claims was 2017 (791 claims). Amounts are in dollars of the time, not adjusted for inflation.

020040060080019801988: 12 claims, 10 paid, $182,526 in total19901991: 15 claims, 10 paid, $17,263 in total1992: 85 claims, 73 paid, $1,177,641 in total1996: 75 claims, 58 paid, $665,809 in total1997: 21 claims, 15 paid, $210,188 in total1998: 50 claims, 40 paid, $483,108 in total2000: 15 claims20002001: 17 claims, 12 paid, $107,366 in total2004: 119 claims, 71 paid, $1,507,976 in total20042007: 31 claims, 21 paid, $163,341 in total2008: 58 claims, 46 paid, $596,376 in total2009: 50 claims, 43 paid, $921,818 in total20102012: 189 claims, 150 paid, $4,638,770 in total20122013: 35 claims, 25 paid, $616,761 in total2016: 56 claims, 33 paid, $1,162,648 in total2017: 791 claims, 690 paid, $61,059,605 in total201720202022: 39 claims, 33 paid, $1,866,824 in total
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (17)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20223933$1,866,824$56,570
2017791690$61,059,605$88,492
20165633$1,162,648$35,232
20133525$616,761$24,670
2012189150$4,638,770$30,925
20095043$921,818$21,438
20085846$596,376$12,965
20073121$163,341$7,778
200411971$1,507,976$21,239
20011712$107,366$8,947
200015<10––
19985040$483,108$12,078
19972115$210,188$14,013
19967558$665,809$11,479
19928573$1,177,641$16,132
19911510$17,263$1,726
19881210$182,526$18,253

From 2016 to 2026: 886 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

ZIP codes in Clay County

ZIP codes with at least 300 NFIP home policies in force have their own page.

Main NFIP communities in the county

Unincorporated Clay County (3,662 home policies) · Orange Park (169 home policies) · Green Cove Springs (81 home policies)