TownTapestry
Sign inJoin
Jacksonville BeachGood morning
Natural hazards · Jacksonville Beach

Jacksonville Beach, FL natural hazards

Most of the natural-hazard damage FEMA expects in Jacksonville Beach comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 453 claims here since 1978. 11 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations
Expected damage

How exposed is Jacksonville Beach?

46
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Jacksonville Beach to be higher than in 46% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding41%Hurricanes28%Coastal flooding12%Cold waves8%Everything else11%
By hazard

What Jacksonville Beach faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

41% of expected damage
Below average · higher than 29% of U.S. places
Recorded about 3 times a year in the area

Hurricanes

28% of expected damage
Well above average · higher than 87% of U.S. places
Recorded about once every 3 years in the area

Coastal flooding

12% of expected damage
Well above average · higher than 98% of U.S. places

Cold waves

8% of expected damage
Well above average · higher than 80% of U.S. places
Recorded about 3 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic activity
Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Jacksonville Beach flood?

Every paid claim on a federal flood insurance policy in Jacksonville Beach, from FEMA’s records.

453paid claims since 1978
$15.6Mpaid to owners
48homes flooded more than once
19782026

Biggest named events

  • Hurricane Matthew: 155 claims, $11.3M
  • Hurricane Irma: 34 claims, $1.2M
  • Hurricane Nicole: 10 claims, $334K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (9) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
🏷️ 20% off flood insurance. Jacksonville Beach is in FEMA’s Community Rating System (class 6) for its flood-proofing work.
Insurance rates: Duval County.

What’s been done with FEMA grants

10buildings retrofitted against wind
1flood-prone properties bought out and cleared
Disasters that hit Jacksonville Beach

11 federal disasters brought FEMA money here

Disasters the President declared that paid out in Jacksonville Beach itself: aid to households, or repair grants to the City of Jacksonville Beach.

Brought FEMA money into Jacksonville BeachDeclared for Duval County only
2024

Hurricane Milton

114 households applied for aid $22K aid approved
2024

Hurricane Helene

65 households applied for aid $33K aid approved
2017

Hurricane Irma

885 households applied for aid $223K aid approved $2.0M to the City of Jacksonville Beach for repairs
2016

Hurricane Matthew

227 households applied for aid $207K aid approved $1.5M to the City of Jacksonville Beach for repairs
2012

Tropical Storm Debby

12 households applied for aid $14K aid approved $17K to the City of Jacksonville Beach for repairs
2008

Tropical Storm Fay

26 households applied for aid $5K aid approved $333K to the City of Jacksonville Beach for repairs
2004

Hurricane Jeanne

71 households applied for aid $50K aid approved $74K to the City of Jacksonville Beach for repairs
2004

Hurricane Ivan

6 households applied for aid $1K aid approved
2004

Hurricane Frances

137 households applied for aid $89K aid approved $749K to the City of Jacksonville Beach for repairs
2004

Tropical Storm Bonnie and Hurricane Charley

9 households applied for aid $1K aid approved $44K to the City of Jacksonville Beach for repairs
1999

Hurricane Floyd Major Disaster Declarations

$369K to the City of Jacksonville Beach for repairs
Duval County has had 32 natural disasters declared since 1953, most often hurricanes and severe storms.
Around Jacksonville Beach

Jacksonville Beach and the towns around it

Jacksonville: Moderate, mostly inland floodingNeptune Beach: Moderate, mostly inland floodingPalm Valley: High, mostly inland floodingFruit Cove: High, mostly inland floodingAtlantic Beach: Low, mostly inland floodingOrange Park: Low, mostly inland floodingNassau Village-Ratliff: High, mostly inland floodingBellair-Meadowbrook Terrace: Moderate, mostly inland floodingOakleaf Plantation: High, mostly inland floodingFleming Island: High, mostly inland floodingNocatee: Moderate, mostly inland floodingSawgrass: High, mostly inland floodingJacksonville Beach: Moderate, mostly inland flooding Jacksonville BeachJacksonvilleNeptune BeachPalm Valley
Very lowLowModerateHighVery high
Palm Valleymostly inland floodingHigh
Jacksonvillemostly inland floodingModerate
Jacksonville Beachmostly inland floodingModerate
Neptune Beachmostly inland floodingModerate
About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.
Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Jacksonville Beach covers 7 census tracts, combined by population.
Money that reached townFlood claims are matched to Jacksonville Beach’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Jacksonville Beach. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Jacksonville Beach total about $8.0M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.

The coffee’s on

Where to, neighbor?

You’re in Jacksonville Beach, FLView boundary

Nearby

All towns & citiesExplore the map

Local begins with a boundary.

See what belongs to your selected town.

Loading boundary…

Jacksonville Beach is your selected town. The feed includes posts assigned to this town, not a distance radius or ZIP code.

Neighborhoods narrow the feed further, while townwide announcements, events, and issues remain visible.

Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
Open detailed map