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Flood Figures

ZIP 32246 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, 1,113 NFIP flood insurance policies are in force in ZIP 32246 (Jacksonville, FL), with 77 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,113
Median annual premium
$505
premium only
Median annual cost
$688
premium + fees & surcharges
Mean annual premium
$545
premium only
Policies in SFHA zones
40.3%
zones A, AE, AH, AO, V, VE
Building coverage in force
$264,118,000
Contents coverage in force
$100,180,000

"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 32246 by rated flood zone
Policies Share Share bar
X 658 59.1%
AE 434 39.0%
A 8 0.7%
AO 7 0.6%
B 5 0.4%
C 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 32246 by occupancy type
Policies Share Share bar
Single-family homes 1,019 91.6%
Non-residential buildings 44 4.0%
Multi-unit buildings 18 1.6%
Units in multi-unit buildings 18 1.6%
Mobile homes 14 1.3%

Claims history since 1978

Claims since 1978
77
Total paid
$608,693
Paid on buildings
$526,573
Paid on contents
$82,120
NFIP claims filed per year in ZIP 32246, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1982 1 $770
1988 1 $0
1991 1 $0
1993 1 $0
1994 2 $4,415
1996 2 $337
1997 2 $3,414
2000 2 $4,103
2004 2 $0
2007 2 $11,436
2008 11 $89,404
2009 1 $23,411
2012 12 $21,004
2014 1 $0
2015 2 $0
2016 10 $17,935
2017 13 $315,373
2018 1 $0
2020 1 $0
2021 2 $3,314
2022 2 $0
2024 5 $113,778

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 13 $315,373
2024 5 $113,778
2008 11 $89,404

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