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Flood insurance cost · Duval County, FL

Flood insurance cost in Duval County, Florida

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 19,887 home policies in force on August 31, 2026.

Duval County, FloridaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,050a year

Half of insured homes paid between $703 and $1,265. That is 3% more than the Florida median ($1,017). Most insured homes here are rated in zone X (72%).

$0$703 · $1,050 · $1,265$1,581
+13.0% vs Aug 31, 2025 (median $929)
19,887home policies in force
$1,081average cost (mean)
28%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 Duval 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 VE / V
High risk, coastal		$1,480$978–$3,223$2,18361 (0%)+17.0%
Zone AE
High risk		$1,220$924–$1,576$1,3955,140 (26%)+13.5%
Zone A
High risk		$896$661–$1,243$1,063101 (1%)+1.0%
Zone AO
High risk, shallow		$808$638–$1,100$1,152211 (1%)+7.2%
Zone AH
High risk, shallow		$878$697–$931$84317 (0%)+0.2%
Zone X
Moderate to low risk		$959$657–$1,233$96414,357 (72%)+4.4%

Not shown (fewer than 10 home policies): 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 Duval County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home18,356$1,060$1,086
2–4 unit building478$1,308$1,369
Manufactured (mobile) home260$1,044$1,265
Condo or apartment unit793$589$730
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.		581$4,213$6,346
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		1,225$2,334$3,197
21,693NFIP policies in force, any building
27,349insured units (condo association policies count every unit)
93%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Duval 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 force21,86919,887−9.1%
Median annual cost$929$1,050+13.0%
Average annual cost$984$1,081+9.9%
All policies in force (any building)23,74921,693−8.7%

How many homes have flood insurance?

6.3%of all homes in Duval County have an NFIP policy
60.3%of homes in high-risk zones (special flood hazard area) have one
328,032residential buildings counted by FEMA
9,721of 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 Duval County, Florida have filed 6,067 flood claims. 4,537 received a payment, for a total of $214.8 million (an average of $47,353 per paid claim). The year with the most claims was 2017 (2,050 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1979: 110 claims, 83 paid, $332,293 in total1980: 14 claims19801982: 28 claims, 20 paid, $28,508 in total1983: 10 claims1984: 28 claims, 13 paid, $50,765 in total1989: 47 claims, 32 paid, $738,262 in total19901991: 82 claims, 59 paid, $396,886 in total1992: 179 claims, 135 paid, $2,863,232 in total1993: 35 claims, 14 paid, $70,266 in total1994: 74 claims, 56 paid, $416,969 in total1995: 128 claims, 94 paid, $960,304 in total1996: 198 claims, 157 paid, $3,681,286 in total1997: 15 claims1998: 177 claims, 151 paid, $3,451,480 in total1999: 30 claims, 10 paid, $45,106 in total2000: 124 claims, 96 paid, $1,103,123 in total20002001: 102 claims, 66 paid, $806,274 in total2002: 25 claims, 14 paid, $49,654 in total2003: 22 claims, 13 paid, $92,584 in total2004: 322 claims, 219 paid, $6,368,176 in total2005: 55 claims, 39 paid, $893,206 in total2007: 100 claims, 77 paid, $1,118,484 in total2008: 396 claims, 322 paid, $7,367,769 in total20082009: 51 claims, 21 paid, $303,597 in total20102011: 45 claims, 26 paid, $469,300 in total2012: 325 claims, 237 paid, $4,215,949 in total2013: 54 claims, 36 paid, $416,002 in total2014: 28 claims2015: 122 claims, 90 paid, $1,917,488 in total2016: 546 claims, 352 paid, $19,205,867 in total20162017: 2,050 claims, 1,733 paid, $143,783,656 in total20172018: 24 claims2019: 16 claims2020: 34 claims, 18 paid, $304,674 in total20202021: 31 claims, 17 paid, $287,154 in total2022: 264 claims, 224 paid, $10,771,512 in total2023: 21 claims2024: 94 claims, 47 paid, $1,520,889 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 (38)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20249447$1,520,889$32,359
202321<10––
2022264224$10,771,512$48,087
20213117$287,154$16,891
20203418$304,674$16,926
201916<10––
201824<10––
20172,0501,733$143,783,656$82,968
2016546352$19,205,867$54,562
201512290$1,917,488$21,305
201428<10––
20135436$416,002$11,556
2012325237$4,215,949$17,789
20114526$469,300$18,050
20095121$303,597$14,457
2008396322$7,367,769$22,881
200710077$1,118,484$14,526
20055539$893,206$22,903
2004322219$6,368,176$29,078
20032213$92,584$7,122
20022514$49,654$3,547
200110266$806,274$12,216
200012496$1,103,123$11,491
19993010$45,106$4,511
1998177151$3,451,480$22,857
199715<10––
1996198157$3,681,286$23,448
199512894$960,304$10,216
19947456$416,969$7,446
19933514$70,266$5,019
1992179135$2,863,232$21,209
19918259$396,886$6,727
19894732$738,262$23,071
19842813$50,765$3,905
198310<10––
19822820$28,508$1,425
198014<10––
197911083$332,293$4,004

From 2016 to 2026: 3,080 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 Duval County

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

Main NFIP communities in the county

Jacksonville (14,739 home policies) · Jacksonville Beach (2,566 home policies) · Atlantic Beach (1,650 home policies) · Neptune Beach (922 home policies)