FloodMaps
Map of FEMA flood zones in Clay CountyTap the map to explore

County · Flood risk

Check any address in Clay County

Quick facts

Homes on the tax roll

82,372

Residential parcels on the Florida Department of Revenue roll

FEMA flood map in effect

Mar 2014

First flood map 1981

Flood insurance discount

20% off

Clay County, Community Rating System Class 6

Most flood claims in one storm

763

Hurricane Irma 2017, 668 paid

Homes with water, FEMA aid

975

Aid registrations reporting water inside, Hurricane Irma 2017

New FEMA maps

Preliminary

Draft zones FEMA has released for review

Sinkhole reports

6

Florida Geological Survey, mostly unverified

Past storms in Clay County

National Flood Insurance Program claims and FEMA aid registrations that reported water inside the home, for the whole county.

Flood claims and FEMA aid by storm in Clay County
StormClaimsPaidAid, water inside
Hurricane Matthew 201655330
Hurricane Irma 2017763668975
Hurricane Nicole 20222119–

Frequently asked questions

Do I need flood insurance in Clay County?

Lenders require flood insurance on a federally backed mortgage when the building is in one of FEMA's high-risk zones, the ones starting with A or V. The map that sets those zones in Clay County took effect on March 17, 2014. Outside those zones insurance is optional, but claims come from moderate- and low-risk zones too, so it's worth checking the zone and the floor height of the exact home.

When was the FEMA flood map for Clay County last updated?

The flood map in effect for Clay County took effect on March 17, 2014. The county's first flood map dates to July 2, 1981. FEMA has released preliminary maps for parts of the county; they don't change insurance requirements until they're adopted and take effect.

Is there a flood insurance discount in Clay County?

Clay County is in FEMA's Community Rating System at Class 6, which takes 20% off National Flood Insurance Program premiums for policies inside the high-risk flood zone. Classes run from 10 to 1, and each step down adds 5% off.

Which storms flooded Clay County the most?

By National Flood Insurance Program claims across Clay County, the worst recent storms were Hurricane Irma 2017 (763 claims, 668 paid), Hurricane Matthew 2016 (55 claims, 33 paid), and Hurricane Nicole 2022 (21 claims, 19 paid). After Hurricane Irma 2017, 975 FEMA aid registrations in the county reported water inside the home. Claims only count insured homes, so the real number of flooded homes is higher.

Are there sinkholes in Clay County?

The Florida Geological Survey has 6 subsidence reports on file for Clay County. Most reports were never verified, and a report near a home doesn't mean the ground under it is unstable. The full report lists the nearest ones.

Clay County is southwest of Jacksonville along the St. Johns River, with Black Creek running through Middleburg and Orange Park.

Clay County has about 82,400 homes on the state tax roll. The FEMA flood map in effect for Clay County took effect on March 17, 2014; the county's first flood map dates to 1981. The storm that left the most flood insurance claims in the county was Hurricane Irma 2017, with 763, followed by Hurricane Matthew 2016 with 55. Clay County is in FEMA's Community Rating System at Class 6, which takes 20% off National Flood Insurance Program premiums for policies inside the high-risk flood zone.

Away from the coast, flooding comes from rain: rivers that rise for days after a tropical storm, lakes and low basins that fill, and closed depressions that drain slowly into the ground. The storms we track for Northeast Florida are Hurricane Matthew 2016, Hurricane Irma 2017, Hurricane Ian 2022, Hurricane Nicole 2022, Hurricane Idalia 2023, Hurricane Helene 2024, and Hurricane Milton 2024.

Search any address in Clay County for a free report: its FEMA flood zone and whether insurance is required, its risk level, and its floor height against the flood line. The full report adds a 0 to 100 risk score, the flood insurance cost, the home's record in each storm we track, and a PDF to share.

Compiled by FloodMaps from FEMA, state, and county records. Data dates: 2026 county tax roll (final values); flood claims and FEMA aid for storms from 2016 through Hurricane Milton (October 2024); FEMA map dates and insurance discounts as of October 8, 2026.

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