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Flood Figures

ZIP 32250 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, 5,395 NFIP flood insurance policies are in force in ZIP 32250 (Jacksonville Beach, FL), with 733 flood claims recorded since 1978.

Policies & premiums

Policies in force
5,395
Median annual premium
$859
premium only
Median annual cost
$1,101
premium + fees & surcharges
Mean annual premium
$1,360
premium only
Policies in SFHA zones
41.8%
zones A, AE, AH, AO, V, VE
Building coverage in force
$1,281,926,000
Contents coverage in force
$317,397,000

"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 32250 by rated flood zone
Policies Share Share bar
X 2,694 49.9%
AE 2,080 38.6%
AO 446 8.3%
VE 149 2.8%
B 14 0.3%
C 10 0.2%
AOB 1 0.0%
A 1 0.0%

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 32250 by occupancy type
Policies Share Share bar
Single-family homes 2,755 51.1%
Multi-unit buildings 2,082 38.6%
Units in multi-unit buildings 284 5.3%
Non-residential buildings 269 5.0%
Mobile homes 5 0.1%

Claims history since 1978

Claims since 1978
733
Total paid
$18,454,961
Paid on buildings
$14,732,620
Paid on contents
$3,662,341
NFIP claims filed per year in ZIP 32250, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 1 $136
1979 62 $238,042
1980 5 $3,562
1981 2 $0
1982 19 $20,035
1983 2 $1,220
1984 7 $5,204
1986 1 $0
1989 1 $0
1991 4 $22,028
1992 19 $74,931
1993 1 $0
1995 38 $363,578
1996 11 $36,921
1997 6 $33,376
1998 2 $10,998
1999 8 $23,670
2000 65 $681,420
2001 8 $107,221
2002 11 $31,206
2003 2 $0
2004 16 $3,946
2005 1 $0
2006 2 $362
2007 20 $157,518
2008 15 $40,847
2009 4 $0
2011 28 $405,111
2012 19 $154,945
2013 2 $2,993
2014 3 $0
2015 4 $135,801
2016 221 $12,644,854
2017 90 $2,406,281
2020 1 $0
2022 25 $826,884
2023 1 $0
2024 4 $21,869
2025 2 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2016 221 $12,644,854
2017 90 $2,406,281
2022 25 $826,884

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