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Flood Figures

ZIP 32080 flood insurance data

Computed from OpenFEMA FIMA NFIP Redacted Policies (v2) and OpenFEMA FIMA NFIP Redacted Claims (v2). Policy data as of June 1, 2026; claims recorded through June 1, 2026.

As of June 1, 2026, 10,567 NFIP flood insurance policies are in force in ZIP 32080 (Saint Augustine, FL), with 3,388 flood claims recorded since 1978.

Policies & premiums

Policies in force
10,567
Median annual premium
$980
premium only
Median annual cost
$1,264
premium + fees & surcharges
Mean annual premium
$1,430
premium only
Policies in SFHA zones
48.7%
zones A, AE, AH, AO, V, VE
Building coverage in force
$2,337,601,600
Contents coverage in force
$434,280,000

"Premium" is the policy premium alone; "cost" adds federal fees and surcharges. In-force counts are an approximation derived from policy effective, termination, and cancellation dates — see methodology.

Flood zones of insured properties

NFIP policies in ZIP 32080 by rated flood zone
Policies Share Share bar
X 6,496 61.5%
AE 3,816 36.1%
AO 131 1.2%
VE 101 1.0%
B 20 0.2%
A 1 0.0%
A07 1 0.0%
A05 1 0.0%

Distribution of insured properties by the flood zone used in their policy rating — not a map of land area. Numbered zones (A1–A30, V1–V30) and Zones B and C appear on older FEMA map panels; B and C correspond to today's shaded and unshaded Zone X.

What the policies cover

NFIP policies in ZIP 32080 by occupancy type
Policies Share Share bar
Multi-unit buildings 4,863 46.0%
Single-family homes 4,618 43.7%
Units in multi-unit buildings 708 6.7%
Non-residential buildings 262 2.5%
Mobile homes 116 1.1%

Claims history since 1978

Claims since 1978
3,388
Total paid
$136,094,572
Paid on buildings
$115,309,109
Paid on contents
$19,352,135
NFIP claims filed per year in ZIP 32080, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 1 $13,999
1981 1 $0
1982 3 $2,900
1983 1 $0
1984 10 $19,243
1985 1 $145
1986 2 $2,571
1989 21 $59,373
1990 1 $0
1991 2 $10,961
1992 23 $156,488
1993 1 $0
1994 10 $11,439
1995 16 $73,885
1996 11 $14,695
1997 2 $10,499
1998 5 $37,949
1999 121 $1,567,842
2001 104 $700,457
2002 4 $28,075
2003 2 $0
2004 35 $41,076
2005 2 $18,773
2006 2 $1,000
2007 7 $79,320
2008 13 $38,980
2009 15 $116,600
2011 2 $0
2012 7 $71,126
2013 16 $19,588
2014 2 $0
2015 2 $3,067
2016 1,705 $88,720,285
2017 626 $22,837,469
2018 3 $0
2019 10 $79,991
2020 18 $317,780
2021 9 $262,810
2022 538 $20,418,859
2023 5 $41,371
2024 25 $287,887
2025 4 $28,072

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2016 1,705 $88,720,285
2017 626 $22,837,469
2022 538 $20,418,859

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