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Flood insurance cost · St. Johns County, FL

Flood insurance cost in St. Johns County, Florida

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 21,338 home policies in force on August 31, 2026.

St. Johns County, FloridaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,092a year

Half of insured homes paid between $785 and $1,317. That is 7% more than the Florida median ($1,017). Most insured homes here are rated in zone X (57%).

$0$785 · $1,092 · $1,317$1,646
+12.8% vs Aug 31, 2025 (median $968)
21,338home policies in force
$1,253average cost (mean)
43%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 St. Johns 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		$1,088$739–$1,650$1,525580 (3%)+5.6%
Zone AE
High risk		$1,345$1,094–$1,960$1,6857,685 (36%)+13.6%
Zone A
High risk		$696$556–$798$719637 (3%)+1.8%
Zone AO
High risk, shallow		$1,099$962–$1,356$1,45534 (0%)+11.7%
Zone AH
High risk, shallow		$984$754–$1,264$1,382164 (1%)+16.4%
Zone X
Moderate to low risk		$1,025$673–$1,259$99412,238 (57%)+10.3%

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 St. Johns County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home19,110$1,120$1,291
2–4 unit building328$1,213$1,481
Manufactured (mobile) home290$944$1,186
Condo or apartment unit1,610$671$763
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.		1,002$3,512$4,469
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		1,231$2,275$3,045
23,571NFIP policies in force, any building
31,831insured units (condo association policies count every unit)
93%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: St. Johns 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 force22,80921,338−6.4%
Median annual cost$968$1,092+12.8%
Average annual cost$1,132$1,253+10.7%
All policies in force (any building)25,09723,571−6.1%

How many homes have flood insurance?

23.2%of all homes in St. Johns County have an NFIP policy
342.3%of homes in high-risk zones (special flood hazard area) have one
96,803residential buildings counted by FEMA
2,783of 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 St. Johns County, Florida have filed 7,643 flood claims. 5,841 received a payment, for a total of $252.4 million (an average of $43,212 per paid claim). The year with the most claims was 2016 (3,456 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k19801982: 26 claims, 13 paid, $167,560 in total1984: 47 claims, 22 paid, $125,088 in total1989: 62 claims, 35 paid, $215,140 in total19901991: 14 claims1992: 50 claims, 31 paid, $288,537 in total1994: 32 claims, 13 paid, $250,499 in total1995: 97 claims, 68 paid, $392,390 in total1996: 48 claims, 31 paid, $191,951 in total1997: 11 claims1998: 12 claims1999: 201 claims, 114 paid, $1,876,695 in total20002001: 170 claims, 74 paid, $1,052,699 in total2003: 14 claims2004: 115 claims, 43 paid, $487,902 in total2005: 11 claims2007: 61 claims, 50 paid, $803,566 in total2008: 63 claims, 33 paid, $506,787 in total2009: 34 claims, 17 paid, $263,701 in total20102011: 23 claims, 11 paid, $89,392 in total2012: 45 claims, 25 paid, $210,859 in total2013: 44 claims, 20 paid, $455,496 in total2015: 13 claims2016: 3,456 claims, 2,866 paid, $148,041,859 in total20162017: 1,724 claims, 1,426 paid, $62,719,050 in total20172018: 17 claims2019: 20 claims2020: 36 claims, 26 paid, $591,958 in total20202021: 18 claims, 10 paid, $760,662 in total2022: 1,002 claims, 801 paid, $31,048,809 in total20222023: 20 claims2024: 71 claims, 24 paid, $622,404 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 (31)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20247124$622,404$25,934
202320<10––
20221,002801$31,048,809$38,763
20211810$760,662$76,066
20203626$591,958$22,768
201920<10––
201817<10––
20171,7241,426$62,719,050$43,983
20163,4562,866$148,041,859$51,655
201513<10––
20134420$455,496$22,775
20124525$210,859$8,434
20112311$89,392$8,127
20093417$263,701$15,512
20086333$506,787$15,357
20076150$803,566$16,071
200511<10––
200411543$487,902$11,347
200314<10––
200117074$1,052,699$14,226
1999201114$1,876,695$16,462
199812<10––
199711<10––
19964831$191,951$6,192
19959768$392,390$5,770
19943213$250,499$19,269
19925031$288,537$9,308
199114<10––
19896235$215,140$6,147
19844722$125,088$5,686
19822613$167,560$12,889

From 2016 to 2026: 6,364 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 St. Johns County

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

Main NFIP communities in the county

Unincorporated St. Johns County (17,314 home policies) · St. Augustine (2,716 home policies) · St. Augustine Beach (1,292 home policies)