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Natural hazards · Jacksonville

Jacksonville, FL natural hazards

Most of the natural-hazard damage FEMA expects in Jacksonville comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3,865 claims here since 1978. 16 federal disasters brought FEMA money into town.

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

How exposed is Jacksonville?

52
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Jacksonville to be higher than in 52% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding51%Hurricanes24%Cold waves10%Everything else14%
By hazard

What Jacksonville faces

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

Inland flooding

51% of expected damage
Above average · higher than 56% of U.S. places
Recorded about 3 times a year in the area

Hurricanes

24% of expected damage
Well above average · higher than 87% of U.S. places
Recorded about once every 4 years in the area

Cold waves

10% of expected damage
Well above average · higher than 78% of U.S. places
Recorded about 3 times a year in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

AvalanchesTsunamisVolcanic 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 flood?

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

3,865paid claims since 1978
$196Mpaid to owners
554homes flooded more than once
19782026

Biggest named events

  • Hurricane Irma: 1,657 claims, $141M
  • Tropical Storm Fay: 310 claims, $7.3M
  • Tropical Storm Debby: 184 claims, $3.4M

Homes that flooded again and again

Each house = 10 homes. ■ FEMA “severe repetitive loss” (110) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
🏷️ 20% off flood insurance. Jacksonville 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

112buildings retrofitted against wind
91flood-prone properties bought out and cleared
18homes raised above flood level
7storm safe rooms built
2buildings floodproofed
Disasters that hit Jacksonville

16 federal disasters brought FEMA money here

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

Brought FEMA money into JacksonvilleDeclared for Duval County only
2024

Hurricane Milton

11,278 households applied for aid $5.2M aid approved $142K to the City of Jacksonville for repairs
2024

Hurricane Helene

13,385 households applied for aid $14.3M aid approved $130K to the City of Jacksonville for repairs
2024

Hurricane Debby

1 household applied for aid $3K aid approved $1.3M to the City of Jacksonville for repairs
2023

Hurricane Idalia

1 household applied for aid $3.9M to the City of Jacksonville for repairs
2022

Hurricane Nicole

1 household applied for aid $2.3M to the City of Jacksonville for repairs
2022

Hurricane Ian

40 households applied for aid $5K aid approved $7.9M to the City of Jacksonville for repairs
2019

Hurricane Dorian

$5.4M to the City of Jacksonville for repairs
2017

Hurricane Irma

108,935 households applied for aid $43.7M aid approved $66.2M to the City of Jacksonville for repairs
2016

Hurricane Matthew

4,885 households applied for aid $1.5M aid approved $35.6M to the City of Jacksonville for repairs
2012

Tropical Storm Debby

1,277 households applied for aid $1.2M aid approved $1.7M to the City of Jacksonville for repairs
2008

Tropical Storm Fay

2,332 households applied for aid $1.5M aid approved $9.3M to the City of Jacksonville for repairs
2004

Hurricane Jeanne

3,839 households applied for aid $2.8M aid approved $8.5M to the City of Jacksonville for repairs
2004

Hurricane Ivan

240 households applied for aid $76K aid approved
2004

Hurricane Frances

4,199 households applied for aid $3.0M aid approved $3.3M to the City of Jacksonville for repairs
2004

Tropical Storm Bonnie and Hurricane Charley

695 households applied for aid $626K aid approved $228K to the City of Jacksonville for repairs
1999

Hurricane Floyd Major Disaster Declarations

$1.4M to the City of Jacksonville for repairs
Duval County has had 32 natural disasters declared since 1953, most often hurricanes and severe storms.
Around Jacksonville

Jacksonville and the towns around it

Fruit Cove: High, mostly inland floodingAtlantic Beach: Low, mostly inland floodingOrange Park: Low, mostly inland floodingNassau Village-Ratliff: High, mostly inland floodingJacksonville Beach: Moderate, mostly inland floodingNeptune Beach: Moderate, mostly inland floodingBellair-Meadowbrook Terrace: Moderate, mostly inland floodingOakleaf Plantation: High, mostly inland floodingFleming Island: High, mostly inland floodingNocatee: Moderate, mostly inland floodingLakeside: Moderate, mostly inland floodingPalm Valley: High, mostly inland floodingJacksonville: Moderate, mostly inland flooding JacksonvilleFruit CoveAtlantic BeachOrange ParkNassau Village-RatliffJacksonville BeachNeptune BeachBellair-Meadowbrook TerraceOakleaf PlantationFleming IslandNocatee
Very lowLowModerateHighVery high
Nassau Village-Ratliffmostly inland floodingHigh
Oakleaf Plantationmostly inland floodingHigh
Fleming Islandmostly inland floodingHigh
Fruit Covemostly inland floodingHigh
Nocateemostly inland floodingModerate
Jacksonvillemostly inland floodingModerate
Bellair-Meadowbrook Terracemostly inland floodingModerate
Jacksonville Beachmostly inland floodingModerate
Neptune Beachmostly inland floodingModerate
Orange Parkmostly inland floodingLow
Atlantic Beachmostly inland floodingLow
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 covers 206 census tracts, combined by population.
Money that reached townFlood claims are matched to Jacksonville’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Jacksonville. 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 total about $250M 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.

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