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

County · Flood risk

Check any address in Nassau County

Quick facts

Homes on the tax roll

44,169

Residential parcels on the Florida Department of Revenue roll

FEMA flood map in effect

Aug 2017

First flood map 1984

Flood insurance discount

15% off

Nassau County, Community Rating System Class 7

Most flood claims in one storm

173

Hurricane Irma 2017, 123 paid

Homes with water, FEMA aid

238

Aid registrations reporting water inside, Hurricane Irma 2017

Sinkhole reports

2

Florida Geological Survey, mostly unverified

Past storms in Nassau 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 Nassau County
StormClaimsPaidAid, water inside
Hurricane Matthew 2016995757
Hurricane Irma 2017173123238

Frequently asked questions

Do I need flood insurance in Nassau 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 Nassau County took effect on August 2, 2017. 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 Nassau County last updated?

The flood map in effect for Nassau County took effect on August 2, 2017. The county's first flood map dates to August 15, 1984.

Is there a flood insurance discount in Nassau County?

Nassau County is in FEMA's Community Rating System at Class 7, which takes 15% 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 Nassau County the most?

By National Flood Insurance Program claims across Nassau County, the worst recent storms were Hurricane Irma 2017 (173 claims, 123 paid), Hurricane Matthew 2016 (99 claims, 57 paid), and Hurricane Nicole 2022 (9 claims, 5 paid). After Hurricane Irma 2017, 238 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.

What causes flooding in Nassau County?

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. Nassau County has about 44,200 homes on the state tax roll.

Nassau County is Florida's northeasternmost county, with Fernandina Beach on Amelia Island and the St. Marys River on the Georgia line.

Nassau County has about 44,200 homes on the state tax roll. The FEMA flood map in effect for Nassau County took effect on August 2, 2017; the county's first flood map dates to 1984. The storm that left the most flood insurance claims in the county was Hurricane Irma 2017, with 173, followed by Hurricane Matthew 2016 with 99. Nassau County is in FEMA's Community Rating System at Class 7, which takes 15% 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 Nassau 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 (preliminary 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.

Nearby counties

Florida Flood News & Updates