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Flood Figures

ZIP 32208 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, 341 NFIP flood insurance policies are in force in ZIP 32208 (Jacksonville, FL), with 457 flood claims recorded since 1978.

Policies & premiums

Policies in force
341
Median annual premium
$921
premium only
Median annual cost
$1,192
premium + fees & surcharges
Mean annual premium
$1,476
premium only
Policies in SFHA zones
60.4%
zones A, AE, AH, AO, V, VE
Building coverage in force
$75,658,000
Contents coverage in force
$26,651,000

"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 32208 by rated flood zone
Policies Share Share bar
AE 203 59.5%
X 133 39.0%
A 2 0.6%
B 2 0.6%
VE 1 0.3%

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 32208 by occupancy type
Policies Share Share bar
Single-family homes 323 94.7%
Non-residential buildings 17 5.0%
Mobile homes 1 0.3%

Claims history since 1978

Claims since 1978
457
Total paid
$17,976,270
Paid on buildings
$13,544,638
Paid on contents
$4,431,632
NFIP claims filed per year in ZIP 32208, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1985 2 $11,032
1988 2 $1,487
1989 1 $0
1991 2 $3,491
1992 11 $30,911
1994 1 $1,283
1996 10 $110,325
1997 1 $0
1998 7 $20,154
2000 1 $3,322
2001 6 $35,670
2002 1 $0
2003 4 $7,124
2004 57 $839,920
2005 3 $2,039
2006 3 $45,979
2007 1 $5,037
2008 54 $1,376,675
2009 2 $7,557
2010 1 $0
2012 11 $70,007
2014 2 $1,606
2016 19 $185,508
2017 174 $11,969,635
2018 1 $0
2019 2 $10,645
2020 6 $40,294
2021 1 $79,948
2022 64 $3,055,416
2023 1 $7,782
2024 6 $53,425

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 174 $11,969,635
2022 64 $3,055,416
2008 54 $1,376,675

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