Enter any address in Flagler County, Florida to see its FEMA flood zone
Coastal flooding from nor'easters and tropical systems is a significant concern for Flagler County. Over the past 30 years, NOAA data shows 39 flood events, 30 coastal flood events, and 25 tropical storm events impacting the area. For example, in October 2025, extended nor'easters combined with high astronomical tides produced minor to moderate tidal flooding along the coast and within the St. Johns River basin. Another coastal flood event in October 2025 also brought moderate tidal flooding to coastal areas, the Intracoastal Waterway, and inland river systems.
FEMA's National Flood Insurance Program data indicates that Zone A properties have experienced the highest number of claims, with an average payout of $48,536 and an average water depth of 3.6 feet. Zone V properties, while fewer in number, have seen higher average payouts and significantly deeper water, averaging 6.8 feet. Residents in coastal areas, along the Intracoastal Waterway, and near the St. Johns River basin should be particularly aware of flood risks. Properties located in Zone A and Zone V, as well as those without a Base Flood Elevation (BFE), warrant close attention to potential flood impacts.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
59 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Flagler County, Florida has recorded 115 flood-related events since 1996 according to NOAA's Storm Events Database, including 11 flash floods and 39 river or area floods. The county has received 38 federal disaster declarations, 1 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1977–2024)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Hurricane Milton | Hurricane | Oct 5, 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 |
| Hurricane Isaias | Hurricane | Jul 31, 2020 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Coastal Flood | Sep 30, 2025 | 0.00K |
| Coastal Flood | Oct 11, 2025 | 0.00K |
| Coastal Flood | Sep 9, 2025 | 0.00K |
| Coastal Flood | Oct 9, 2025 | 0.00K |
| Coastal Flood | Oct 1, 2025 | 0.00K |
| Tropical Storm | Sep 26, 2024 | 0.00K |
| Coastal Flood | Sep 16, 2024 | 0.00K |
| Hurricane (Typhoon) | Oct 9, 2024 | 0.00K |
| Hurricane (Typhoon) | Oct 9, 2024 | 18.80M |
| Flood | Sep 8, 2024 | 0.00K |
Coastal Flood — Sep 30, 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...
Coastal Flood — Oct 11, 2025
An extended duration local nor'easter wind event developed October 9th and persisted through the 12th between high pressure wedging down the SE US coast and a sharpening coastal trough axis over the local coastal waters. Gusty winds of 40-51 mph impacted coastal areas, with the strongest winds from 10/9 in the afternoon through 10/10 in the evening along the Duval county coast of 51 mph. Tidal ...
Coastal Flood — Sep 9, 2025
Persistent onshore (northeasterly) winds along the local coast for several days created a local nor'easter which produced gusty coastal winds around 40 mph at times, waves of showers and isolated storms, rough surf, frequent rip currents and coastal / tidal flooding impacts around high tides at the northeast Florida coast, Intracoastal Waterway and the St. Johns River basin.
Coastal Flood — Oct 9, 2025
An extended duration local nor'easter wind event developed October 9th and persisted through the 12th between high pressure wedging down the SE US coast and a sharpening coastal trough axis over the local coastal waters. Gusty winds of 40-51 mph impacted coastal areas, with the strongest winds from 10/9 in the afternoon through 10/10 in the evening along the Duval county coast of 51 mph. Tidal ...
Coastal Flood — Oct 1, 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...
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 Flagler 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 Flagler 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.