Flood Insurance in Duval County

Duval County is home to Jacksonville, a city with a vibrant downtown and miles of sandy beaches. With a business-friendly atmosphere, a mild climate, and a reasonable cost of living, Duval attracts residents from all walks of life and is Florida’s seventh most populous county.

If Duval County is home for you, you’re probably familiar with its flood history. Recent heavy rainfall flooded roads and damaged homes and personal property. The rainy season in Duval County from June to November and the St. Johns River’s tributaries and creeks exacerbate the region’s flood exposure.

Duval County flood insurance costs

Florida flood insurance rates are notorious for being expensive. The state's vulnerability to hurricanes, tropical storms, and prolonged rainfall increases the chance of flooding.

While Duval County has several high-risk flood zones, its average flood insurance rate is lower on average than other counties in the Sunshine State. But you can find flood insurance that's even more affordable when you work with us.

You can add Kin’s flood protection as an endorsement to your homeowners' insurance. That means you:

• Pay one premium for flood and home insurance.
• Have one deductible for home and flood insurance claims.
• Make claims and ask questions through us instead of multiple providers.
• Match your flood limits to your dwelling coverage limits.

As a result, flood coverage from us is often easier and less expensive than what you get from the National Flood Insurance Program (NFIP). For an exact quote, contact us.

Duval County flood zones

FEMA’s flood hazard map for Duval County gives a better idea of the regions most at risk for flooding. The map shows several high-risk flood zones throughout the region. High-risk flood zones have a 26 percent chance of flooding over a 30-year mortgage.

These are the high-risk flood zones in Duval County:

• A
• AE
• AH
• AO
• VE 

If your home is in one of these zones and you have a federally-backed mortgage, be aware that you’re required to have flood insurance.

Even if your home is in one of Duval County’s moderate to low-risk flood zones, flood insurance is still a worthy investment. After all, 20 to 25% of flood insurance claims happen in lower-risk zones.

What does Duval County flood insurance cover?

Flood insurance can protect you when your home, other structures, and personal property are damaged by:

• Flooding.
• Mudslides.
• Groundwater seepage.

The aftermath of a flood can create problems like mold and mildew damage, appliance damage, structural damage, and septic system damage. Flood insurance can provide coverage for all these situations.

Tips to reduce your home’s flood risk

Florida flood risks have been rising because of higher sea levels and shifts in weather patterns. The rise in warm temperatures we’ve seen in recent years creates more evaporation and available rainfall. It also creates more intense floods from storms. About three million properties in Florida are currently at risk for flooding – and the numbers are only continuing to grow.

Keep an eye on your flood risk. To learn about your home’s past flood history and future flood outlook, check out Risk Factor.

You can also take steps to lower your home’s chance of flooding. For example, it’s smart to move your belongings above your home’s base flood elevation – that is, the height to which flood waters are projected to rise. Keep valuables out of crawl spaces and your basement.

Lastly, develop a plan for how you’ll respond if a flood occurs in your home.

Florida county flood insurance guides