Jacksonville Flood Insurance

Your Complete Guide to Jacksonville, FL Flood Insurance

(Everything you need to know - and more)


The Northside region of Jacksonville was largely swampland until the 1950s, when was it was made into a suburban neighborhood. Today, although many homes are located here, this area is a designated flood zone. It is just one of many parts of Jacksonville that are prone to flood damage when hurricanes and severe storms bring heavy rains to the area. Flood insurance helps to protect at-risk property owners.

Don’t let an overflow event cause you to suffer serious financial losses. Local independent agents in Jacksonville can help you secure an affordable flood insurance policy through the National Flood Insurance Program (NFIP). Contact an insurance agent near you to get started.

What Is Flood Insurance?

Flood damage is not covered by conventional insurance policies like home insurance, renters insurance, and business insurance.

Because the damage caused by floodwaters can be so expensive, and because a widespread flood has the potential to wipe out entire neighborhoods, in 1968 the federal government stepped in and created the National Flood Insurance Program. This program provides affordable coverage to people at risk for sustaining flood damage.

Flood insurance is guaranteed coverage. You cannot be turned down for coverage due to being in a high-risk location, nor will your rates go up for filing a claim. Talk to a local independent agent to learn more about this important insurance.

How Much Does Flood Insurance Cost in Jacksonville, FL?

NFIP flood insurance rates are standard across the United States and are based on:

  • Whether your property is in a designated flood zone, a medium-risk zone, or a low-risk zone
  • How much structural coverage you are purchasing
  • How much contents coverage you are purchasing
  • Whether your house has a basement
  • The amount of your deductible

On average, homeowners in the US pay about $700 a year for flood insurance. Those in low-risk areas pay significantly less, while those with homes in designated flood zones will pay higher rates.

Average Rainfall and Flooding in Jacksonville

Hurricanes and tropical storms can bring storm surges and heavy rainfall to the Jacksonville area. This can lead to overflow events, particularly for properties located near Back Creek, the St. Johns River, and its tributaries.

  • US average annual rainfall:  38.61 inches
  • Jacksonville, FL average annual rainfall:  50.04 inches

Flooding can occur with very little warning, so it is best to be prepared. Remember, flood insurance policies take 30 days to go into effect, so it is important to purchase your coverage well before heavy rains are imminent.

Am I Required to Carry Flood Insurance in Jacksonville, FL?

If you have a mortgage on your property and it is located in a designated Special Flood Hazard Area, your lender will require you to carry flood insurance. If you live in a moderate-risk area, your lender may or may not require this coverage. Otherwise, this insurance is optional.

However, even if your home or business is not located in a designated flood zone, that does not mean you are free from the risk of flood damage.  About 20% of all flood claims filed in the US are for properties that are located outside designated high-risk zones. When Hurricane Irma struck in 2017, it brought the worst, most widespread flooding this area has ever seen.


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What Does Flood Insurance Cover?

Flood insurance is made up of two parts: structural coverage and contents coverage. You can design your policy to meet your specific coverage needs. If you are renting your home, you will only need to purchase contents coverage. If your house has a basement, you may be able to get it by purchasing lower levels of content coverage.

Structural coverage flood insurance

Homeowners can purchase a maximum of $250,000 in structural coverage, while businesses have a limit of $500,000. This insurance covers damage to your property’s foundation and equipment, including circuit breakers, water heaters, and your HVAC system.

Contents coverage flood insurance

Homeowners can purchase a maximum of $100,000 in contents coverage, while businesses have a limit of $500,000. This insurance can cover personal belongings and commercial property kept on main floors as well as appliances, such as washing machines, dryers, and freezers, that are frequently kept in basements.

What Is Not Covered by Flood Insurance?

Flood insurance does not cover all flood-related damage. Some things your policy will not cover include:

  • Personal belongings kept in a finished basement
  • Damage caused by earth movement, landslides, and mudslides
  • Damage caused by mold, mildew, or moisture
  • Landscaping features and property kept outside your home
  • Currency and important papers

Talk to your local independent insurance agent for more information about the limitations of a flood insurance policy.

Why Work with an Independent Insurance Agent in Jacksonville, FL?

Independent insurance agents in Jacksonville can offer you guidance and advice when you are shopping for flood insurance for your home or business.  They can also provide answers to any of your insurance-related questions.

Contact an insurance agent in Jacksonville to learn more about flood insurance and any other insurance products that may be beneficial to you.

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