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Natural hazards · Neptune Beach

Neptune Beach, FL natural hazards

Most of the natural-hazard damage FEMA expects in Neptune Beach comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 59 claims here since 1979. 14 federal disasters brought FEMA money into town.

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

How exposed is Neptune Beach?

46
Moderate
vs. U.S. communities

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

Inland flooding43%Hurricanes27%Cold waves10%Coastal flooding9%Everything else12%
By hazard

What Neptune Beach faces

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

Inland flooding

43% of expected damage
Below average · higher than 35% of U.S. places
Recorded about 3 times a year in the area

Hurricanes

27% of expected damage
Well above average · higher than 87% of U.S. places
Recorded about once every 3 years in the area

Cold waves

10% of expected damage
Well above average · higher than 80% of U.S. places
Recorded about 3 times a year in the area

Coastal flooding

9% of expected damage
Well above average · higher than 98% of U.S. places

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 Neptune Beach flood?

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

59paid claims since 1979
$452Kpaid to owners
2homes flooded more than once
19792026

Biggest named events

  • Tropical Storm Debby: 8 claims, $127K
  • Hurricane Irma: 4 claims, $21K
  • Hurricane Matthew: 3 claims, $47K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

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

14 federal disasters brought FEMA money here

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

Brought FEMA money into Neptune BeachDeclared for Duval County only
2024

Hurricane Milton

17 households applied for aid $10K aid approved $12K to the City of Neptune Beach for repairs
2024

Hurricane Helene

12 households applied for aid $4K aid approved $11K to the City of Neptune Beach for repairs
2022

Hurricane Nicole

$9K to the City of Neptune Beach for repairs
2022

Hurricane Ian

$23K to the City of Neptune Beach for repairs
2019

Hurricane Dorian

$36K to the City of Neptune Beach for repairs
2017

Hurricane Irma

219 households applied for aid $35K aid approved $442K to the City of Neptune Beach for repairs
2016

Hurricane Matthew

24 households applied for aid $2K aid approved $431K to the City of Neptune Beach for repairs
2012

Tropical Storm Debby

2 households applied for aid $1K aid approved $58K to the City of Neptune Beach for repairs
2008

Tropical Storm Fay

4 households applied for aid $64K to the City of Neptune Beach for repairs
2004

Hurricane Jeanne

14 households applied for aid $3K aid approved $32K to the City of Neptune Beach for repairs
2004

Hurricane Ivan

1 household applied for aid
2004

Hurricane Frances

32 households applied for aid $9K aid approved $179K to the City of Neptune Beach for repairs
2004

Tropical Storm Bonnie and Hurricane Charley

1 household applied for aid
1999

Hurricane Floyd Major Disaster Declarations

$16K to the City of Neptune Beach for repairs
Duval County has had 32 natural disasters declared since 1953, most often hurricanes and severe storms.
Around Neptune Beach

Neptune Beach and the towns around it

Atlantic Beach: Low, mostly inland floodingJacksonville Beach: Moderate, mostly inland floodingJacksonville: Moderate, mostly inland floodingPalm Valley: High, mostly inland floodingFruit Cove: High, 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 floodingNeptune Beach: Moderate, mostly inland flooding Neptune BeachAtlantic BeachJacksonville BeachJacksonville
Very lowLowModerateHighVery high
Jacksonvillemostly inland floodingModerate
Neptune Beachmostly inland floodingModerate
Jacksonville Beachmostly inland floodingModerate
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. Neptune Beach covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Neptune Beach’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Neptune 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 Neptune Beach total about $2.1M 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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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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