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Flood insurance cost · ZIP 32068 · FL

Flood insurance cost in ZIP 32068 (unincorporated Clay County, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 953 home policies in force on August 31, 2026.

ZIP code 32068 (unincorporated Clay County, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,023a year

Half of insured homes paid between $804 and $1,264. That is 3% less than the Clay County median ($1,060). The most common flood zone for insured homes here is zone X (43%).

$0$804 · $1,023 · $1,264$1,580
+9.8% vs Aug 31, 2025 (median $932)
953home policies in force
$1,097average cost (mean)
57%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 ZIP code 32068

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		$1,180$968–$1,538$1,320404 (42%)+8.7%
Zone A
High risk		$858$704–$1,108$937115 (12%)+7.4%
Zone AH
High risk, shallow		$898$856–$1,220$1,02321 (2%)±0.0%
Zone X
Moderate to low risk		$922$756–$1,086$927413 (43%)+4.7%

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 ZIP code 32068, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home861$1,023$1,096
2–4 unit building10$896$1,015
Manufactured (mobile) home80$1,029$1,137
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		22$1,328$1,737

Not shown (fewer than 10 policies): condo or apartment unit, whole residential building (5+ units or condo association).

976NFIP policies in force, any building
976insured units (condo association policies count every unit)
83%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 32068

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 force1,009953−5.6%
Median annual cost$932$1,023+9.8%
Average annual cost$1,022$1,097+7.3%
All policies in force (any building)1,031976−5.3%

Flood claims history

Since 1978, NFIP policyholders in ZIP 32068 have filed 816 flood claims. 701 received a payment, for a total of $40.0 million (an average of $57,041 per paid claim). The year with the most claims was 2017 (304 claims). Amounts are in dollars of the time, not adjusted for inflation.

010020030040019801988: 12 claims, 10 paid, $182,526 in total19901992: 72 claims, 66 paid, $1,112,296 in total19921996: 47 claims, 39 paid, $543,811 in total1997: 18 claims, 15 paid, $210,188 in total1998: 41 claims, 33 paid, $439,202 in total20002004: 53 claims, 43 paid, $703,550 in total2008: 30 claims, 23 paid, $242,379 in total2009: 25 claims, 22 paid, $552,156 in total20102012: 121 claims, 101 paid, $3,397,999 in total20122013: 26 claims, 20 paid, $483,147 in total2017: 304 claims, 281 paid, $31,063,953 in total201720202022: 11 claims
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 (12)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202211<10––
2017304281$31,063,953$110,548
20132620$483,147$24,157
2012121101$3,397,999$33,644
20092522$552,156$25,098
20083023$242,379$10,538
20045343$703,550$16,362
19984133$439,202$13,309
19971815$210,188$14,013
19964739$543,811$13,944
19927266$1,112,296$16,853
19881210$182,526$18,253

From 2016 to 2026: 315 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.

NFIP communities in this ZIP code

Unincorporated Clay County (953 home policies). A ZIP code can cross city and county lines; each policy is counted once, in the ZIP code reported for the insured building.