Enter any address in Nassau County, Florida to see its FEMA flood zone
Tropical storms and coastal flooding are the most frequent flood events in Nassau County, FL, based on NOAA Storm Events data from the last 30 years. Recent examples include coastal flooding in September 2025 due to persistent onshore winds, and locally heavy rainfall from sea breeze storms in September 2025. Tropical Storm Helene also brought wind gusts of 55 to 75 mph to the region in September 2024.
FEMA National Flood Insurance Program data shows that properties in Zone A and Zone V have experienced the most claims, with average water depths of 3.7 feet and 6.0 feet respectively. Zone X also has a significant number of claims, with an average water depth of 4.2 feet, though Zone X_UNSHADED has fewer claims with shallower water depths. Residents in coastal areas, along the Intracoastal Waterway, and in areas designated as Zone A or Zone V should pay particular attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
33 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Nassau County, Florida has recorded 67 flood-related events since 1996 according to NOAA's Storm Events Database, including 8 flash floods and 16 river or area floods. The county has received 40 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 (1973–2024)
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 |
|---|---|---|
| Coastal Flood | Sep 9, 2025 | 0.00K |
| Coastal Flood | Oct 9, 2025 | 0.00K |
| Flood | Sep 7, 2025 | 0.00K |
| Tropical Storm | Sep 26, 2024 | 0.00K |
| Tropical Storm | Oct 10, 2024 | 0.00K |
| Tropical Storm | Aug 4, 2024 | 0.00K |
| Tropical Storm | Aug 30, 2023 | 0.00K |
| Flood | Jul 28, 2023 | 0.00K |
| Coastal Flood | Sep 27, 2023 | 0.00K |
| Flood | Dec 17, 2023 | 0.00K |
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 ...
Flood — Sep 7, 2025
A front approached from the northwest with a moist and unstable airmass ahead of it across the local area. Slow steering flow and high moisture across the area ahead of the front produced sea breeze showers and storms that produced locally heavy rainfall. Weak shear but high instability across the local marine waters produced waterspouts.
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...
Tropical Storm — Oct 10, 2024
A tropical disturbance over the southwest Gulf of Mexico quickly developed into Tropical Storm |Milton on Saturday, October 5th. Milton then moved slowly east-southeastward, strengthening into a |hurricane the following day. On Monday, October 7th, the storm underwent rapid intensification, |reaching Category 5 strength as it neared the northwestern coast of Mexico's Yucat��n Peninsula. Lat...
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 Nassau 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 Nassau 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.