Flood history · Saint Augustine, FL 32095
Flood insurance claims in Saint Augustine, FL 32095
113 claims since 1987 and $961,193 paid. Here's what the public record shows, and how to check a specific address.
Claims by year
Every NFIP flood insurance claim reported in ZIP 32095 since 1978.
What the record says
82% of claims were on properties in high-risk zones and 18% outside them.
Losses are spread across many events; the largest, Hurricane Irma, accounts for 34% of claims.
Flooding here is recent: 52 claims (46%) were in the last 10 years.
The most commonly recorded cause is heavy rain or snowmelt collecting faster than it drains, which can happen far from any river or coast.
St. Johns County * takes part in FEMA's Community Rating System (class 5), which can lower flood insurance premiums by up to 25% in high-risk zones.
Biggest flood events
| Event | Year | Claims | Share |
|---|---|---|---|
| Hurricane Irma | 2017 | 38 | 34% |
| Hurricane Matthew | 2016 | 36 | 32% |
| Tropical Storm Fay | 2008 | 6 | 5% |
| Hurricane Ian | 2022 | 4 | 4% |
| Hurricane Nicole | 2022 | 3 | 3% |
| Hurricane Floyd | 1999 | 2 | 2% |
Flood zone at time of claim
NFIP communities
Federal disaster declarations in Saint Johns County
Flood, hurricane and storm declarations since 2000.
25 flood, storm or hurricane declarations for Saint Johns County since 2000.
Check a specific address in Saint Augustine.
ZIP-level history is the backdrop. See the official FEMA flood zone, ground elevation and next steps for one property, free.
Nearby Florida ZIP codes
Saint Augustine
2,329 claims · $63.0 million paid
32092Saint Augustine
275 claims · $7.2 million paid
32082Ponte Vedra Beach
1,229 claims · $36.8 million paid
32259Saint Johns
109 claims · $4.4 million paid
32258Jacksonville
133 claims · $4.1 million paid
32086Saint Augustine
134 claims · $1.5 million paid
Sources: FEMA OpenFEMA NFIP Redacted Claims (v3) and Disaster Declarations Summaries, FEMA NFIP Community Status Book; place names from GeoNames (CC BY 4.0). Data as of 2026-10-09. Payments are net building + contents payments in dollars at the time paid, not adjusted for inflation. Claims are grouped by the ZIP code reported on the claim. This product uses the FEMA OpenFEMA API but is not endorsed by FEMA. Information only; not an official flood zone determination or insurance advice.