Enter any address in St. Johns County, Florida to see its FEMA flood zone
St. Johns County experiences a mix of flood events, with "Flood" and "Tropical Storm" being the most frequent over the last 30 years. Recent events include localized heavy rainfall on August 22, 2025, and wind damage from Hurricane Helene on September 26, 2024.
National Flood Insurance Program (NFIP) data shows that Zone A has the highest number of claims, with an average payout of $35,340 and an average water depth of 3.4 feet. Zone V, typically associated with coastal storm hazards, has a lower claim volume but a higher average payout of $46,510, though with a lower average water depth of 1.1 feet. Homeowners in Zone A and coastal areas, as well as those in Zone V, should pay particular attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
56 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
St. Johns County, Florida has recorded 111 flood-related events since 1996 according to NOAA's Storm Events Database, including 16 flash floods and 38 river or area floods. The county has received 34 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 (1968–2024)
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 |
|---|---|---|
| Flood | Aug 22, 2025 | 0.00K |
| Tropical Storm | Sep 26, 2024 | 0.00K |
| Flood | Sep 18, 2024 | 0.00K |
| Flash Flood | Oct 10, 2024 | 0.00K |
| Flood | Oct 10, 2024 | 0.00K |
| Tropical Storm | Oct 9, 2024 | 0.00K |
| Tropical Storm | Oct 9, 2024 | 11.00M |
| Tropical Storm | Aug 4, 2024 | 0.00K |
| Tropical Storm | Aug 30, 2023 | 0.00K |
| Flood | Sep 26, 2023 | 0.00K |
Flood — Aug 22, 2025
Weak southwest to west steering flow combined with high atmospheric moisture and surface forcing from a weak trough and sea breezes produced localized heavy rainfall in the afternoon and evening over a diurnally unstable airmass.
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 — Sep 18, 2024
A diffuse surface front shifted south across NE FL during the afternoon as a short wave trough traversed overhead. This forcing combined with diurnally driven sea breezes under WSW flow over a moist and unstable airmass triggered a few strong to severe storms.
Flash Flood — 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...
Flood — 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 St. Johns 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 St. Johns 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.