Jacksonville Flood Zones and Flood Claims by ZIP
FEMA keeps a record of every National Flood Insurance Program claim. This page counts the claims and the dollars paid for each residential Jacksonville ZIP code, beside the age of the homes there, so you can see where flood water has reached insured buildings before. It also explains how to look up the official flood zone for your own address.
Updated
Find your flood zone first
- Type your address into the FEMA Flood Map Service Center to see the official flood map panel and zone.
- For a zone determination or a copy of an Elevation Certificate on file, contact City of Jacksonville Floodplain Management (floodplain coordinator, (904) 255-8366). The city lists a review time of 7 to 10 business days for certificates.
- The city holds a Class 6 rating in FEMA's Community Rating System, and says Duval sees coastal, inland and river flooding.
What these numbers can and can't tell you
NFIP flood insurance claims only. Private flood policies, homeowners water claims and uninsured losses are not in them, and a ZIP with few claims may simply have few flood policies. ZIP codes are as reported to FEMA. ZIPs with fewer than 5 claims show "fewer than 5" and no dollar total. Year built comes from the Census Bureau's ACS 5-year 2020-2024 estimates for ZIP Code Tabulation Areas, which approximate ZIP codes and carry margins of error.
Across 31 residential Jacksonville ZIP codes, FEMA's records hold 6,030 NFIP claims, 4,518 with a payment, totaling $213,935,673.
| Area | Claims with a payment | Built before 1980 | ||||
|---|---|---|---|---|---|---|
| 32210 | Westside, Southwest and Baldwin | 913 | 777 | $44,891,716 | 1972 | 61% |
| 32250 | Beaches and Mayport | 733 | 520 | $18,404,614 | 1984 | 43% |
| 32207 | Downtown, Riverside and San Marco | 577 | 463 | $25,914,793 | 1964 | 71% |
| 32208 | Northwest and the Westside core | 457 | 372 | $17,855,494 | 1960 | 79% |
| 32226 | Northside | 345 | 260 | $8,756,068 | 2004 | 16% |
| 32205 | Downtown, Riverside and San Marco | 296 | 244 | $13,575,208 | 1952 | 84% |
| 32233 | Beaches and Mayport | 253 | 157 | $2,255,585 | 1986 | 34% |
| 32218 | Northside | 250 | 191 | $8,060,722 | 2001 | 27% |
| 32217 | Mandarin and San Jose | 206 | 134 | $8,174,453 | 1971 | 70% |
| 32223 | Mandarin and San Jose | 203 | 139 | $7,843,443 | 1987 | 21% |
| 32224 | Southside and the Intracoastal | 172 | 129 | $7,900,146 | 1997 | 5% |
| 32257 | Mandarin and San Jose | 153 | 109 | $4,979,324 | 1986 | 25% |
| 32211 | Arlington | 135 | 107 | $8,125,944 | 1967 | 72% |
| 32258 | Mandarin and San Jose | 133 | 105 | $4,145,396 | 2005 | 2% |
| 32225 | Arlington | 122 | 59 | $1,340,011 | 1992 | 16% |
| 32216 | Southside and the Intracoastal | 121 | 91 | $3,082,855 | 1984 | 44% |
| 32244 | Westside, Southwest and Baldwin | 110 | 80 | $3,019,368 | 1991 | 26% |
| 32266 | Beaches and Mayport | 108 | 56 | $430,037 | 1973 | 64% |
| 32204 | Downtown, Riverside and San Marco | 108 | 94 | $9,120,409 | 1956 | 67% |
| 32209 | Northwest and the Westside core | 106 | 81 | $2,323,040 | 1964 | 78% |
| 32254 | Northwest and the Westside core | 104 | 83 | $4,098,127 | 1958 | 82% |
| 32246 | Southside and the Intracoastal | 77 | 42 | $608,693 | 1997 | 21% |
| 32277 | Arlington | 67 | 27 | $372,888 | 1978 | 54% |
| 32256 | Southside and the Intracoastal | 51 | 18 | $378,824 | 2002 | 13% |
| 32221 | Westside, Southwest and Baldwin | 50 | 42 | $739,975 | 1997 | 29% |
| 32219 | Northwest and the Westside core | 50 | 40 | $1,830,883 | 1999 | 27% |
| 32220 | Westside, Southwest and Baldwin | 37 | 33 | $929,994 | 1992 | 29% |
| 32202 | Downtown, Riverside and San Marco | 33 | 23 | $3,292,276 | 1966 | 71% |
| 32206 | Downtown, Riverside and San Marco | 29 | 19 | $783,114 | 1947 | 76% |
| 32234 | Westside, Southwest and Baldwin | 18 | 13 | $431,731 | 2003 | 23% |
| 32222 | Westside, Southwest and Baldwin | 13 | 10 | $270,542 | 2012 | 5% |
The five years with the most claims
- 20172,050 claims, $143,528,349 paid
- 2016545 claims, $19,087,048 paid
- 2008397 claims, $7,352,571 paid
- 2012324 claims, $4,177,643 paid
- 2004322 claims, $6,300,876 paid
Source: FEMA OpenFEMA NFIP Redacted Claims v3 and U.S. Census Bureau ACS 5-year 2020-2024 (tables B25034 and B25035), calculated by Jax Water Damage Hub on November 12, 2026. Paid means building plus contents payments; a few payments are negative where a check was reissued. Method on the sources page. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).
To cite this page: Jax Water Damage Hub, "Jacksonville Flood Zones and Flood Claims by ZIP," calculated from FEMA OpenFEMA NFIP Redacted Claims v3, retrieved November 12, 2026, https://jaxwaterdamagehub.com/jacksonville-flood-zones-by-zip.
Flood water needs a flood policy, not the homeowners policy. See hurricane and flood cleanup and Florida insurance rules.