FloodMaps
Map of FEMA flood zones in St. Johns CountyTap the map to explore

County · Flood risk

Check any address in St. Johns County

Quick facts

Homes on the tax roll

136,072

Residential parcels on the Florida Department of Revenue roll

FEMA flood map in effect

Dec 2018

First flood map 1973

Flood insurance discount

25% off

St. Johns County, Community Rating System Class 5

Most flood claims in one storm

3,404

Hurricane Matthew 2016, 2,791 paid

Homes with water, FEMA aid

2,276

Aid registrations reporting water inside, Hurricane Matthew 2016

Sinkhole reports

5

Florida Geological Survey, mostly unverified

Past storms in St. Johns 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 St. Johns County
StormClaimsPaidAid, water inside
Hurricane Matthew 20163,4042,7912,276
Hurricane Irma 20171,6541,363916
Hurricane Ian 2022644515289
Hurricane Nicole 202232825573
Hurricane Helene 2024210–
Hurricane Milton 20244022115

Frequently asked questions

Do I need flood insurance in St. Johns 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 St. Johns County took effect on December 7, 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 St. Johns County last updated?

The flood map in effect for St. Johns County took effect on December 7, 2018. The county's first flood map dates to July 6, 1973.

Is there a flood insurance discount in St. Johns County?

St. Johns County is in FEMA's Community Rating System at Class 5, which takes 25% 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 St. Johns County the most?

By National Flood Insurance Program claims across St. Johns County, the worst recent storms were Hurricane Matthew 2016 (3,404 claims, 2,791 paid), Hurricane Irma 2017 (1,654 claims, 1,363 paid), and Hurricane Ian 2022 (644 claims, 515 paid). After Hurricane Matthew 2016, 2,276 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 St. Johns County?

The Florida Geological Survey has 5 subsidence reports on file for St. Johns 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.

St. Johns County includes St. Augustine and Atlantic beaches from Ponte Vedra to Matanzas Inlet.

St. Johns County has about 136,000 homes on the state tax roll. The FEMA flood map in effect for St. Johns County took effect on December 7, 2018; the county's first flood map dates to 1973. The storm that left the most flood insurance claims in the county was Hurricane Matthew 2016, with 3,404, followed by Hurricane Irma 2017 with 1,654. St. Johns County is in FEMA's Community Rating System at Class 5, which takes 25% 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 St. Johns 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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