Home insurance in Duval County, Florida
Duval County (Jacksonville is the county seat) had about 1,055,159 residents in 2024 per Census estimates. It is a coastal county on the Atlantic side in the Northeast Florida. Irma (2017) pushed the St. Johns River at downtown Jacksonville to an all-time record, beating Dora (1964). Roof age, wind mitigation and flood drive most quotes here.
County seat JacksonvillePopulation (2024 est.) 1,055,159Setting Coastal (Atlantic)Region Northeast Florida
Do I need flood insurance in Duval County?
Key water: St. Johns River, Atlantic beaches, Intracoastal, Trout River.
FEMA flood maps here include coastal high-hazard V zones and A zones along the St. Johns River and other shorelines, plus X zones farther inland. Storm surge is flood, not wind, so it is only covered by a separate flood policy. Check your address on the FEMA Flood Map Service Center.
What storms have hit Duval County?
Irma (2017) pushed the St. Johns River at downtown Jacksonville to an all-time record, beating Dora (1964); Matthew (2016) brought surge to the beaches; Dora made landfall near St. Augustine.
Underwriters remember these events. Coastal location changes which part of that history matters most for your home.
Top-100 Florida cities in Duval County
- Jacksonville1,009,833 residents (2024)
How fast is Duval County growing?
The Census Bureau's Vintage 2024 estimate puts Duval County at 1,055,159 residents. That is up about 6.0% from the April 2020 base estimate of 995,561, making it Florida's 6th most populous county.
Shopping for home insurance in Duval County? Your request goes only to Nymble Insurance, a licensed Florida agency. We quote every applicant and compare options on matching coverage.
Start a private quote Call (813) 291-3484What is the insurance market like in Duval County?
A consolidated city-county with very different risk between the beaches, the river, and inland Westside neighborhoods.
Many Duval 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.
What building code rules affect Duval County roofs and windows?
Parts of the county, especially areas near the coast, fall in the Florida Building Code's wind-borne debris region, where new construction needs impact-rated openings or shutters. Your building department can confirm whether a given address is inside it.
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.
Frequently asked questions
Is FMAP.insure the official FMAP for Duval County?
No. FMAP.insure is a private website run by Nymble Insurance LLC. The official, free FMAP referral service is at fmap.org. Requests here go only to Nymble Insurance.
Can Nymble Insurance quote my Duval County home?
Yes. Nymble Insurance is a licensed Florida agency (L131669) and quotes homeowners across Duval County and the rest of Florida. Every applicant gets a quote request reviewed.
Does my homeowners policy cover storm surge in Duval County?
No. Storm surge is flood, which homeowners policies exclude. You need a separate flood policy through the NFIP or a private flood insurer.
Are there wind-borne debris rules in Duval County?
Parts of the county, especially areas near the coast, fall in the Florida Building Code's wind-borne debris region, where new construction needs impact-rated openings or shutters. Your building department can confirm whether a given address is inside it.