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Flooding in Jacksonville: WHAT YOU NEED TO KNOW
Jacksonville’s location along the St. Johns River and the Atlantic Ocean makes it especially vulnerable to flooding. Add in heavy rainfall, king tides, tropical storms, and hurricanes, and the flood threat is something homeowners and business owners can’t afford to ignore.
Recent years have demonstrated the significant cost of flooding in Jacksonville. Hurricanes like Irma and Matthew caused widespread flooding in neighborhoods along the river and coast, while even ordinary summer downpours have led to flash floods in inland communities. A single inch of water can cause up to $25,000 in damage, and standard homeowners' insurance does not cover flood losses. As of today, over 48,000 properties in Jacksonville, FL, are at risk of flooding, making separate private flood insurance in Jacksonville, FL, essential for protecting your property.
Flood Zones in Jacksonville
A significant portion of Jacksonville is located within FEMA-designated Special Flood Hazard Areas (SFHAs). Homes and businesses along the St. Johns River, Ortega River, Arlington, and the beaches (Jacksonville Beach, Neptune Beach, and Atlantic Beach) are especially at risk. Flood-prone neighborhoods in Jacksonville include:
- Downtown Jacksonville & Riverside (ZIP: 32202, 32204) – Flooding along the St. Johns River during hurricanes and high tide.
- San Marco (ZIP: 32207) – Often affected by river flooding and storm surge.
- Arlington (ZIP: 32211) – Prone to drainage problems and river flooding.
- Jacksonville Beaches (ZIPs: 32250, 32266) – Coastal flooding and storm surge are frequent.
- Ortega & Avondale (ZIP: 32210) – Riverfront subdivisions with frequent flooding incidents.
Even if your residence has not flooded in the past, Jacksonville's mix of river, coastal, and rain risks makes flood insurance a worthwhile investment.
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When is flood season in Jacksonville ?
Jacksonville's flood season coincides with the Atlantic hurricane season, which runs from June to November. Tropical storms and hurricanes during this period push storm surge up the St. Johns River and onto Jacksonville's beaches, while rain contributes to the likelihood of flooding inland. Flooding doesn't only happen during hurricane season, though. Jacksonville experiences numerous thunderstorms in the summer, accompanied by heavy afternoon rain, and king tides that can flood streets and neighborhoods throughout the year. This is why Jacksonville, FL, needs year-round private flood insurance. It protects you from both seasonal and unexpected floods.
Common causes of flooding in Jacksonville
Jacksonville’s geography exposes it to flooding from multiple avenues. Some of these are:
Hurricane storm surge: Water from the Atlantic and St. Johns River moves inland during large storms.
Heavy rain & flash flooding: Tropical systems and thunderstorms can overwhelm drainage infrastructure.
Riverine flooding: The St. Johns, Ortega River, and other tributaries inundate after days of rain.
Coastal flooding & king tides: Beachfront neighborhoods and river communities experience water intrusion due to abnormally high tides.
Urban runoff: Older drainage systems are prone to blockages, resulting in street flooding.
Urban runoff: Older drainage systems are prone to blockages, resulting in street flooding.
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Flood Insurance Specialists
Our dedicated experts specialize in flood insurance, ensuring you receive the best advice and coverage tailored to your needs
Trusted Insurance Providers
We work with top-rated, reputable insurers to guarantee reliable and comprehensive flood protection
Quick Claim Settlement
We prioritize fast and hassle-free claim processing, ensuring you get the support and payout you need—when you need it most
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