Enter any address in Clay County, Florida to see its FEMA flood zone
Flash flooding from summer thunderstorms is the most frequent type of flood event recorded in Clay County, FL over the last 30 years, with 21 such events noted. Recent examples include localized flooding on August 6, 2025, caused by slow-moving storms, and heavy rainfall producing flooding on August 7, 2025. Coastal flooding has also occurred, such as minor to moderate tidal flooding observed around high tides between September 30 and October 6, 2025, due to a nor'easter and high astronomical tides.
National Flood Insurance Program (NFIP) data indicates that properties in Zone A have experienced the highest number of claims (1020) with an average payout of $46,580 and an average water depth of 5.5 feet. Zone X saw 374 claims with an average payout of $31,221 and 1.7 feet of water. Homeowners in Zone A, and those in areas with unknown flood risk, should pay particular attention to flood preparedness and insurance options.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
22 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Clay County, Florida has recorded 33 flood-related events since 1996 according to NOAA's Storm Events Database, including 5 flash floods and 21 river or area floods. The county has received 38 federal disaster declarations. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1992–2024)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Hurricane Milton | Hurricane | Oct 5, 2024 |
| Hurricane Helene | Hurricane | Sep 23, 2024 |
| Hurricane Debby | Tropical Storm | Aug 1, 2024 |
| Tropical Storm Debby | Tropical Storm | Aug 1, 2024 |
| Hurricane Idalia | Hurricane | Aug 27, 2023 |
| Tropical Storm Idalia | Tropical Storm | Aug 27, 2023 |
| Hurricane Nicole | Hurricane | Nov 7, 2022 |
| Tropical Storm Nicole | Tropical Storm | Nov 7, 2022 |
| Hurricane Ian | Hurricane | Sep 23, 2022 |
| Tropical Storm Ian | Hurricane | Sep 23, 2022 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flood | Aug 7, 2025 | 0.00K |
| Flash Flood | Aug 6, 2025 | 0.00K |
| Coastal Flood | Oct 3, 2025 | 0.00K |
| Tropical Storm | Sep 26, 2024 | 0.00K |
| Flood | Aug 22, 2024 | 0.00K |
| Flood | Sep 14, 2024 | 0.00K |
| Tropical Storm | Oct 9, 2024 | 0.00K |
| Flood | Sep 5, 2024 | 0.00K |
| Flood | Jul 31, 2023 | 0.00K |
| Tropical Storm | Aug 30, 2023 | 0.00K |
Flood — Aug 7, 2025
A surface front draped across northeast Florida combined with very high moisture and lift under an upper-level trough produced heavy, localized flooding rainfall.
Flash Flood — Aug 6, 2025
A front was just north of the local area with southwest steering flow in place. The front edge closer through the day, with an influx of moisture from the Gulf and steepening lapse rates aloft with the approach of a mid level trough. Diurnal heating combined with high moisture produced sea breezes, with a merger across inland northeast Florida in the late afternoon where a few strong to pulse s...
Coastal Flood — Oct 3, 2025
An extended duration nor'easter developed on September 30th and continued through October 6th. This event produced an extended period onshore flow combined with a period of high astronomical tides (spring or neap tides). The higher-than-normal tides combined with storm surge with the local nor'easter produced minor to moderate tidal flooding daily around high tides. The more impacted tidal floo...
Tropical Storm — Sep 26, 2024
Hurricane Helene made landfall as a category 4 with peak winds of near 140 mph in the Florida Big |Bend just east of the Aucilla River Entrance in Taylor County, late Thursday evening September 26, |2024. Helene's main impact to southeast Georgia and northeast Florida was wind damage as it |tracked quickly north-northeast. The very powerful hurricane and the forward motion produced a |wide swa...
Flood — Aug 22, 2024
A weak front extended across NE FL from a broad surface low near the NE FL Atlantic coast. A moist and unstable airmass under cooler than normal 500 mb temperatures (-8 degC) triggered strong to pulse severe storms and localized flooding where sea breeze, outflows and boundaries merged near and south of the frontal zone under very weak steering flow.
Source: NOAA National Weather Service Storm Events Database.
Source: OpenFEMA NFIP Individual Claims (2.25M records analyzed).
FEMA assigns flood zone designations to areas in Clay County, Florida:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in Clay County, Florida that are in FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area.
Visit FloodSmart.gov to find an agent and get a quote.