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Flood insurance cost · ZIP 32210 · FL

Flood insurance cost in ZIP 32210 (Jacksonville, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 862 home policies in force on August 31, 2026.

ZIP code 32210 (Jacksonville, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,228a year

Half of insured homes paid between $1,064 and $1,270. That is 17% more than the Duval County median ($1,050). Most insured homes here are rated in zone X (74%).

$0$1,064 · $1,228 · $1,270$1,588
+16.2% vs Aug 31, 2025 (median $1,057)
862home policies in force
$1,302average cost (mean)
26%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 32210

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		$1,387$1,123–$2,085$1,697204 (24%)+6.0%
Zone AO
High risk, shallow		$906$602–$978$81114 (2%)–
Zone X
Moderate to low risk		$1,203$1,064–$1,265$1,187642 (74%)+14.2%

Not shown (fewer than 10 home policies): VE, 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 32210, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home802$1,234$1,337
Manufactured (mobile) home18$854$906
Condo or apartment unit40$842$811
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.		35$5,017$4,783
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		33$3,128$4,207

Not shown (fewer than 10 policies): 2–4 unit building.

930NFIP policies in force, any building
1,293insured units (condo association policies count every unit)
93%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 32210

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 force944862−8.7%
Median annual cost$1,057$1,228+16.2%
Average annual cost$1,170$1,302+11.3%
All policies in force (any building)1,013930−8.2%

Flood claims history

Since 1978, NFIP policyholders in ZIP 32210 have filed 913 flood claims. 777 received a payment, for a total of $44.9 million (an average of $57,830 per paid claim). The year with the most claims was 2017 (393 claims). Amounts are in dollars of the time, not adjusted for inflation.

010020030040019801989: 18 claims, 16 paid, $434,287 in total19901991: 24 claims, 20 paid, $43,128 in total1992: 50 claims, 44 paid, $1,543,489 in total1994: 15 claims, 14 paid, $32,800 in total1995: 25 claims, 19 paid, $173,097 in total1996: 62 claims, 62 paid, $2,486,862 in total19961998: 74 claims, 71 paid, $2,561,591 in total199820002004: 47 claims, 37 paid, $1,350,766 in total2008: 43 claims, 40 paid, $553,439 in total20102012: 57 claims, 45 paid, $642,238 in total2016: 10 claims2017: 393 claims, 351 paid, $33,955,724 in total201720202022: 18 claims, 17 paid, $564,341 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 (13)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20221817$564,341$33,197
2017393351$33,955,724$96,740
201610<10––
20125745$642,238$14,272
20084340$553,439$13,836
20044737$1,350,766$36,507
19987471$2,561,591$36,079
19966262$2,486,862$40,111
19952519$173,097$9,110
19941514$32,800$2,343
19925044$1,543,489$35,079
19912420$43,128$2,156
19891816$434,287$27,143

From 2016 to 2026: 421 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

Jacksonville (862 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.