Flood insurance cost · ZIP 32082 · FL

Flood insurance cost in ZIP 32082 (unincorporated St. Johns County, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 6,169 home policies in force on August 31, 2026.

ZIP code 32082 (unincorporated St. Johns County, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,234a year

Half of insured homes paid between $1,082 and $1,350. That is 13% more than the St. Johns County median ($1,092). Most insured homes here are rated in zone X (53%).

$0$1,082 · $1,234 · $1,350$1,688

+14.7% vs Aug 31, 2025 (median $1,076)

6,169home policies in force

$1,342average cost (mean)

47%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 32082

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	$1,058	$704–$1,522	$1,449	435 (7%)	+4.1%
Zone AE High risk	$1,278	$1,103–$1,690	$1,522	2,328 (38%)	+16.8%
Zone AO High risk, shallow	$1,149	$982–$2,622	$1,923	15 (0%)	+17.1%
Zone AH High risk, shallow	$985	$930–$1,351	$1,472	148 (2%)	+16.4%
Zone X Moderate to low risk	$1,233	$1,081–$1,267	$1,191	3,243 (53%)	+16.8%

Not shown (fewer than 10 home policies): A, 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 32082, by what they insure.

Type of building	Policies	Median	Average
Single-family home	5,589	$1,260	$1,399
2–4 unit building	19	$1,311	$1,224
Condo or apartment unit	558	$672	$775
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.	313	$3,364	$4,155
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	283	$2,187	$2,985

Not shown (fewer than 10 policies): manufactured (mobile) home.

6,765NFIP policies in force, any building

8,769insured units (condo association policies count every unit)

95%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: ZIP code 32082

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	6,544	6,169	−5.7%
Median annual cost	$1,076	$1,234	+14.7%
Average annual cost	$1,197	$1,342	+12.1%
All policies in force (any building)	7,149	6,765	−5.4%

Flood claims history

Since 1978, NFIP policyholders in ZIP 32082 have filed 1,229 flood claims. 801 received a payment, for a total of $37.1 million (an average of $46,276 per paid claim). The year with the most claims was 2016 (458 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 (15)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2022	96	72	$2,949,453	$40,965
2017	302	235	$15,348,203	$65,312
2016	458	330	$17,004,638	$51,529
2013	10	<10	–	–
2012	32	18	$84,155	$4,675
2011	18	11	$89,392	$8,127
2008	25	13	$187,644	$14,434
2007	28	23	$233,943	$10,171
2004	40	13	$127,515	$9,809
2001	25	12	$118,501	$9,875
1999	20	<10	–	–
1996	16	10	$40,167	$4,017
1995	23	13	$50,816	$3,909
1992	13	<10	–	–
1982	15	<10	–	–

From 2016 to 2026: 856 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 (6,167 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.