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Flood Figures

ZIP 32205 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, 511 NFIP flood insurance policies are in force in ZIP 32205 (Jacksonville, FL), with 296 flood claims recorded since 1978.

Policies & premiums

Policies in force
511
Median annual premium
$850
premium only
Median annual cost
$1,079
premium + fees & surcharges
Mean annual premium
$1,019
premium only
Policies in SFHA zones
23.4%
zones A, AE, AH, AO, V, VE
Building coverage in force
$118,484,600
Contents coverage in force
$37,051,000

"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 32205 by rated flood zone
Policies Share Share bar
X 376 73.6%
AE 128 25.0%
B 3 0.6%
A 3 0.6%
VE 1 0.2%

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 32205 by occupancy type
Policies Share Share bar
Single-family homes 396 77.5%
Multi-unit buildings 78 15.3%
Non-residential buildings 21 4.1%
Units in multi-unit buildings 16 3.1%

Claims history since 1978

Claims since 1978
296
Total paid
$13,665,208
Paid on buildings
$11,262,110
Paid on contents
$2,313,098
NFIP claims filed per year in ZIP 32205, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 3 $4,810
1983 1 $0
1984 1 $7,972
1986 1 $1,334
1989 5 $45,287
1991 4 $2,031
1992 13 $91,454
1993 1 $5,157
1994 4 $46,223
1995 1 $9,615
1996 16 $217,748
1997 1 $0
1998 17 $252,615
1999 2 $1,699
2000 7 $100,277
2001 3 $8,700
2002 1 $5,542
2003 2 $6,851
2004 32 $1,419,368
2005 6 $62,063
2007 4 $55,013
2008 24 $300,549
2009 1 $8,833
2011 4 $1,179
2012 21 $169,058
2013 1 $0
2014 1 $1,712
2015 1 $2,617
2017 103 $10,550,607
2018 1 $1,871
2020 3 $8,374
2021 5 $14,477
2022 4 $262,173
2023 1 $0
2024 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 103 $10,550,607
2004 32 $1,419,368
2008 24 $300,549

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