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Flood Figures

ZIP 32218 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, 932 NFIP flood insurance policies are in force in ZIP 32218 (Jacksonville, FL), with 250 flood claims recorded since 1978.

Policies & premiums

Policies in force
932
Median annual premium
$629
premium only
Median annual cost
$848
premium + fees & surcharges
Mean annual premium
$813
premium only
Policies in SFHA zones
37.0%
zones A, AE, AH, AO, V, VE
Building coverage in force
$219,417,000
Contents coverage in force
$72,240,000

"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 32218 by rated flood zone
Policies Share Share bar
X 584 62.7%
AE 302 32.4%
A 31 3.3%
AO 10 1.1%
B 3 0.3%
AH 2 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 32218 by occupancy type
Policies Share Share bar
Single-family homes 813 87.2%
Non-residential buildings 56 6.0%
Mobile homes 31 3.3%
Multi-unit buildings 30 3.2%
Units in multi-unit buildings 2 0.2%

Claims history since 1978

Claims since 1978
250
Total paid
$8,075,130
Paid on buildings
$6,507,439
Paid on contents
$1,543,737
NFIP claims filed per year in ZIP 32218, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1985 1 $6,697
1988 1 $1,964
1989 1 $0
1991 3 $15,490
1992 13 $39,621
1994 2 $3,582
1998 1 $1,697
2001 1 $0
2002 2 $3,988
2004 18 $308,681
2005 2 $14,216
2008 29 $355,686
2012 1 $1,959
2014 2 $0
2015 2 $13,449
2016 10 $37,609
2017 112 $5,867,612
2018 2 $0
2019 1 $0
2020 1 $20,000
2021 5 $0
2022 37 $1,358,929
2024 2 $23,951
2025 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 112 $5,867,612
2022 37 $1,358,929
2008 29 $355,686

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