FloodMaps
Map of FEMA flood zones in JacksonvilleTap the map to explore

City · Flood risk

Check any address in Jacksonville

Inside Jacksonville city limits 

Homes in Jacksonville

318,734

On the state tax roll

Flood claims since 2016

2,424

In 12 storms, 1,960 paid

Most claims in one storm

1,890

Hurricane Irma 2017, 1,609 paid

FEMA flood map in effect

Nov 2018

First flood map 1977

Flood insurance discount

20% off

City of Jacksonville, Community Rating System Class 6

Sinkhole reports

16

On file with the Florida Geological Survey

Jacksonville and Duval County

Jacksonville has 94% of Duval County's homes and 87% of its flood claims since 2016.

Jacksonville compared with all of Duval County
JacksonvilleAll of Duval
Homes318,734338,742
Flood claims since 20162,4242,801
FEMA aid, water insideNo city figure6,228

Past storms in Jacksonville

National Flood Insurance Program claims, filed in the city and across the county.

Flood claims by storm in Jacksonville and in all of Duval County
StormJacksonvilleAll of Duval
Hurricane Matthew 2016279525
Hurricane Irma 20171,8901,984
Hurricane Ian 20223641
Hurricane Nicole 2022182211
Hurricane Helene 20241820

Frequently asked questions

Do I need flood insurance in Jacksonville?

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 Jacksonville took effect on November 2, 2018. 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 Jacksonville last updated?

The flood map in effect for Jacksonville took effect on November 2, 2018. The city's first flood map dates to December 1, 1977. FEMA has released preliminary maps for parts of Duval County; they don't change insurance requirements until they're adopted and take effect.

Is there a flood insurance discount in Jacksonville?

The City of Jacksonville 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 Jacksonville the most?

By National Flood Insurance Program claims filed in Jacksonville, the worst recent storms were Hurricane Irma 2017 (1,890 claims, 1,609 paid), Hurricane Matthew 2016 (279 claims, 158 paid), and Hurricane Nicole 2022 (182 claims, 162 paid). Across Duval County, 5,508 FEMA aid registrations reported water inside the home after Hurricane Irma 2017. Claims only count insured homes, so the real number of flooded homes is higher.

Are there sinkholes in Jacksonville?

The Florida Geological Survey has 16 subsidence reports on file inside Jacksonville's city limits. 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.

Jacksonville is the largest city by area in the contiguous United States, spread along the St. Johns River to the Atlantic.

Jacksonville has about 319,000 homes on the state tax roll inside its city limits. The FEMA flood map in effect for Jacksonville took effect on November 2, 2018; the city's first flood map dates to 1977. Since 2016, 2,424 flood insurance claims have been filed in Jacksonville in the storms we track, 1,960 of them paid. The storm that left the most was Hurricane Irma 2017, with 1,890, followed by Hurricane Matthew 2016 with 279. The City of Jacksonville 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.

On the Atlantic coast, flooding comes from hurricane surge, seasonal king tides that back up through storm drains, and heavy rain on flat ground with a high water table. 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 Jacksonville 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 for storms from 2016 through Hurricane Milton (October 2024); FEMA map dates and insurance discounts as of October 8, 2026.

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