St. Augustine Beach, Florida Flood Zones
Last updated: March 2026
St. Augustine Beach is a barrier island community on Anastasia Island exposed to Atlantic Ocean storm surge and Matanzas River flooding. Hurricane Matthew in 2016 caused extensive flooding from both ocean overwash and river surge.
St. Johns County has recorded 7,637 NFIP flood insurance claims since 1978, totaling $250.2M in payouts. Explore the full NFIP claims data by state and county to see how this area compares nationally.
FEMA Region
Region 4
NFIP Policies
37,877
St. Johns County
Avg. Premium
$788/yr
St. Johns County
FEMA Flood Risk Profile: St. Johns County
Based on FEMA's National Risk Index, which evaluates flood risk at the county level using historical loss data, exposure, and vulnerability.
Inland Flood Risk
Relatively ModerateEst. annual loss: $51.5M
Coastal Flood Risk
Relatively HighEst. annual loss: $7.8M
Hurricane Risk
Relatively HighEst. annual loss: $22.5M
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
Federal Flood Disaster History: St. Johns County
St. Johns County has been included in 21 federal flood-related disaster declarations.
...and 13 earlier declarations since 1999.
These declarations affected communities across St. Johns County, including St. Augustine Beach.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims: St. Johns County
Properties in St. Johns County have filed 7,637 NFIP flood insurance claims totaling $250.2M in payouts since 1978. The average claim payout is $33K.
Highest-Claim Years
2016
3,456 claims - $146.7M
2017
1,723 claims - $62.0M
2022
1,001 claims - $30.9M
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced March 2026. See national claims data.
Flood Insurance Coverage: St. Johns County
An estimated 35% of households in St. Johns County carry NFIP flood insurance.
Penetration Rate
35%
Claims Ratio
1 in 5
policies have filed a claim
Avg. Claim Payout
$32,760
Derived from FEMA NRI population data and OpenFEMA NFIP policy/claims records.
Repetitive Loss Properties: St. Johns County
St. Johns County has 1,190 properties with multiple flood losses, including 142 severe repetitive loss properties. 15 properties have been mitigated.
Multiple Loss
1,190
Severe Rep. Loss
142
Mitigated
15
By Flood Zone
Source: OpenFEMA NFIP Multiple Loss Properties. Data sourced March 2026.
Recorded Flood Events: ST. JOHNS County
NOAA has recorded 54 flood events in ST. JOHNS County since 1996, causing $39.3M in damage.
Costliest Events
Events by Type
Source: NOAA Storm Events Database, 1996-2026. Data sourced March 2026.
Flood Mitigation: St. Johns County
FEMA has funded mitigation for 23 properties in St. Johns County, investing $758.2M in flood risk reduction.
By Action Type
Source: OpenFEMA Hazard Mitigation Assistance. Data sourced March 2026.
What Your Flood Zone Means in St. Augustine Beach
St. Augustine Beach is primarily at risk from coastal flooding, including hurricane storm surge, tidal flooding, and wave action. Coastal storms can push seawater inland with little warning, and properties in VE (Velocity) zones face the most severe exposure to breaking waves. The most common FEMA flood zone designations in St. Augustine Beach are Zone AE, Zone VE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $51.5M. Properties in St. Augustine Beach's VE zones face additional wave action risk beyond still-water flooding, which typically results in higher insurance premiums and stricter building requirements.
Coastal flood insurance premiums in St. Augustine Beach are typically higher than inland areas due to the destructive force of storm surge and wave action. Properties in VE zones face the highest premiums because wave damage compounds the risk beyond still-water flooding. If your property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance.
Coastal flood maps are among the most frequently updated in the FEMA system, as shoreline erosion and new storm surge modeling refine the boundaries. Letters of Map Revision (LOMR) may shift VE and AE zone boundaries after major storms or updated coastal studies. Use our free lookup tool to check the current flood zone for any St. Augustine Beach address.
Flood Insurance Discount: St. Augustine Beach
St. Augustine Beach participates in FEMA's Community Rating System (CRS), a voluntary program that rewards communities for flood mitigation efforts beyond minimum NFIP requirements. Residents in the Special Flood Hazard Area may qualify for reduced flood insurance premiums.
CRS Class
Class 8
SFHA Premium Discount
10% off
CRS classes range from 1 (best) to 10 (no discount). St. Augustine Beach's Class 8 rating means NFIP policyholders in the SFHA can receive up to a 10% discount on their flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Source: FEMA Community Rating System, October 2025. Discounts apply to NFIP policies only.
St. Augustine Beach, FL Flood Zone FAQ
What flood zones are in St. Augustine Beach, FL?
The most common FEMA flood zones in St. Augustine Beach are Zone AE, Zone VE, Zone X. Properties in these high-risk zones (SFHA) may require flood insurance with a federally regulated or government-backed mortgage.
Is flood insurance required in St. Augustine Beach?
If your St. Augustine Beach property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance. Properties in Zone X are not federally required to carry flood insurance, though coverage is still recommended since over 40% of all NFIP flood claims come from Zone X properties.
How do I check my flood zone in St. Augustine Beach?
Enter your St. Augustine Beach address in the search tool above for an instant flood zone determination. Results include your FEMA flood zone, SFHA status, base flood elevation (if available), and FIRM panel information, pulled directly from FEMA's National Flood Hazard Layer.
Does St. Augustine Beach offer flood insurance discounts?
Yes. St. Augustine Beach participates in FEMA's Community Rating System (CRS) with a Class 8 rating, qualifying residents in the Special Flood Hazard Area for up to a 10% discount on NFIP flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Has St. Augustine Beach experienced major flooding events?
St. Johns County, where St. Augustine Beach is located, has been part of 21 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Hurricane Milton in 2024. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in St. Augustine Beach?
St. Johns County has recorded 7,637 NFIP flood insurance claims totaling $250.2M in payouts since 1978. The year with the most claims was 2016, with 3,456 claims and $146.7M in payouts. These figures cover all NFIP claims in the county, including St. Augustine Beach.
How many flood insurance policies are active in St. Augustine Beach?
St. Johns County currently has 37,877 active NFIP flood insurance policies with an average annual premium of $788. The most policies are in Zone X (22,742 policies). These figures cover all active NFIP policies in the county.
How many St. Augustine Beach properties have flooded repeatedly?
St. Johns County has 1,190 properties with multiple flood losses on record, including 142 severe repetitive loss properties. These are properties that have experienced four or more NFIP claims of $5,000+ or two claims exceeding the building value.
Can my St. Augustine Beach property be removed from a high-risk flood zone?
Yes, if your property's natural ground elevation is above the Base Flood Elevation and FEMA inadvertently mapped it in a high-risk zone, you can apply for a Letter of Map Amendment (LOMA). A successful LOMA removes the property from the Special Flood Hazard Area, generally eliminating the federal mandatory flood insurance requirement. You will need an elevation certificate from a licensed surveyor. If a property was raised above the BFE with fill material, the process is a LOMR-F rather than a LOMA.
What is Base Flood Elevation in St. Augustine Beach?
Base Flood Elevation (BFE) is the predicted height of floodwaters during a 1% annual chance (100-year) flood, shown on FEMA maps as an elevation number in feet above sea level. In St. Augustine Beach's Zone AE and Zone VE areas, BFE lines appear on the FIRM as wavy contours labeled with elevation values. Properties with a lowest floor at or above the BFE typically qualify for significantly lower NFIP flood insurance premiums.
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Disclaimer: Flood risk data on this page is sourced from FEMA datasets including the National Risk Index, NFIP claims and policy records, disaster declarations, and the Community Rating System. These datasets were last extracted on March 2026 and may not reflect the most recent changes. This page is for informational purposes only and is not a certified flood zone determination. Always verify current flood zone status through FEMA or a licensed determination provider before making property, insurance, or lending decisions.