Home insurance in Clay County, Florida

What storms have hit Clay County?

Irma (2017) caused record flooding along Black Creek in Middleburg.

Underwriters remember these events. Inland location changes which part of that history matters most for your home.

Is Clay County in a wind-borne debris region?

Being inland, most of the county is generally outside the Florida Building Code's coastal wind-borne debris region, but design wind speeds still apply and opening protection still earns wind mitigation credit.

The statewide Florida Building Code took effect March 1, 2002. Homes permitted after that date, or with later roof and window permits, usually document better on a wind mitigation inspection. Older homes may also need a 4-point inspection.

What should Clay County homeowners know before shopping?

Fast-growing suburbs south of Jacksonville mean many newer homes, with older riverfront homes along the St. Johns and Black Creek.

Many Clay County homeowners are with Citizens or have received a takeout offer. Agencies quoting the same carrier use the same filed rates, so compare coverage line by line before price.

How fast is Clay County growing?

The Census Bureau's Vintage 2024 estimate puts Clay County at 236,760 residents. That is up about 8.5% from the April 2020 base estimate of 218,245, making it Florida's 25th most populous county.

What is the flood risk in Clay County?

Key water: St. Johns River, Black Creek, Doctors Lake.

Flood exposure is mostly riverine and lake-related, with FEMA A zones along the St. Johns River and low-lying areas, and moderate-to-low-risk X zones elsewhere. A homeowners policy does not cover rising water. Check your address on the FEMA Flood Map Service Center.