Flood insurance cost · ZIP 32080 · FL

Flood insurance cost in ZIP 32080 (unincorporated St. Johns County, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 5,429 home policies in force on August 31, 2026.

ZIP code 32080 (unincorporated St. Johns County, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,266a year

Half of insured homes paid between $1,077 and $1,816. That is 16% more than the St. Johns County median ($1,092). The most common flood zone for insured homes here is zone AE (50%).

$0$1,077 · $1,266 · $1,816$2,270

+16.8% vs Aug 31, 2025 (median $1,084)

5,429home policies in force

$1,604average cost (mean)

51%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 32080

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 zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone VE / V High risk, coastal	$1,318	$828–$2,910	$1,906	51 (1%)	+4.9%
Zone AE High risk	$1,700	$1,207–$2,495	$2,049	2,690 (50%)	+15.7%
Zone AO High risk, shallow	$1,079	$939–$1,338	$1,081	18 (0%)	+6.4%
Zone X Moderate to low risk	$1,146	$950–$1,267	$1,154	2,670 (49%)	+8.7%

Not shown (fewer than 10 home policies): A, AH, 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 32080, by what they insure.

Type of building	Policies	Median	Average
Single-family home	4,529	$1,269	$1,712
2–4 unit building	91	$1,492	$2,201
Manufactured (mobile) home	117	$1,252	$1,521
Condo or apartment unit	692	$741	$835
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.	460	$3,688	$5,033
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	268	$2,838	$3,676

6,157NFIP policies in force, any building

10,967insured units (condo association policies count every unit)

90%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: ZIP code 32080

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, 2025	Aug 31, 2026	Change
Home policies in force	5,714	5,429	−5.0%
Median annual cost	$1,084	$1,266	+16.8%
Average annual cost	$1,429	$1,604	+12.2%
All policies in force (any building)	6,458	6,157	−4.7%

Flood claims history

Since 1978, NFIP policyholders in ZIP 32080 have filed 3,382 flood claims. 2,722 received a payment, for a total of $135.9 million (an average of $49,943 per paid claim). The year with the most claims was 2016 (1,701 claims). Amounts are in dollars of the time, not adjusted for inflation.

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 (18)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2024	25	12	$287,887	$23,991
2022	538	454	$20,377,312	$44,884
2020	18	13	$317,780	$24,445
2019	10	<10	–	–
2017	624	522	$22,814,525	$43,706
2016	1,701	1,470	$88,634,231	$60,295
2013	16	<10	–	–
2009	15	<10	–	–
2008	13	<10	–	–
2004	35	<10	–	–
2001	104	47	$700,457	$14,903
1999	121	81	$1,567,842	$19,356
1996	11	<10	–	–
1995	16	12	$73,885	$6,157
1994	10	<10	–	–
1992	23	14	$156,488	$11,178
1989	21	12	$59,373	$4,948
1984	10	<10	–	–

From 2016 to 2026: 2,916 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 St. Johns County (3,059 home policies) · St. Augustine Beach (1,285 home policies) · St. Augustine (1,081 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.