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Flood Figures

ZIP 32086 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, 1,587 NFIP flood insurance policies are in force in ZIP 32086 (Saint Augustine, FL), with 134 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,587
Median annual premium
$384
premium only
Median annual cost
$558
premium + fees & surcharges
Mean annual premium
$506
premium only
Policies in SFHA zones
14.8%
zones A, AE, AH, AO, V, VE
Building coverage in force
$330,463,000
Contents coverage in force
$99,960,000

"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 32086 by rated flood zone
Policies Share Share bar
X 1,291 81.3%
AE 248 15.6%
A 33 2.1%
AH 12 0.8%
AHB 2 0.1%
B 1 0.1%

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 32086 by occupancy type
Policies Share Share bar
Single-family homes 981 61.8%
Multi-unit buildings 465 29.3%
Units in multi-unit buildings 91 5.7%
Non-residential buildings 37 2.3%
Mobile homes 13 0.8%

Claims history since 1978

Claims since 1978
134
Total paid
$1,475,374
Paid on buildings
$1,280,199
Paid on contents
$195,175
NFIP claims filed per year in ZIP 32086, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1981 1 $419
1983 1 $0
1985 1 $0
1989 1 $2,097
1992 3 $0
1994 2 $0
1995 4 $5,219
1996 3 $4,903
1998 1 $7,186
1999 4 $1,041
2001 8 $22,946
2003 5 $30,171
2004 7 $9,553
2006 2 $5,540
2007 4 $69,964
2008 4 $8,973
2009 5 $80,987
2011 2 $0
2013 2 $28,267
2014 1 $0
2015 3 $117,810
2016 37 $702,772
2017 21 $244,472
2019 2 $12,256
2020 1 $0
2021 1 $0
2022 6 $97,036
2023 2 $23,761

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2016 37 $702,772
2017 21 $244,472
2015 3 $117,810

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