Home insurance in Nassau County, Florida
Nassau County (Fernandina Beach is the county seat) had about 104,376 residents in 2024 per Census estimates. It is a coastal county on the Atlantic side in the Northeast Florida. Matthew (2016) and Irma (2017) brought surge and flooding to Amelia Island and riverfront areas.. Roof age, wind mitigation and flood drive most quotes here.
County seat Fernandina BeachPopulation (2024 est.) 104,376Setting Coastal (Atlantic)Region Northeast Florida
How fast is Nassau County growing?
The Census Bureau's Vintage 2024 estimate puts Nassau County at 104,376 residents. That is up about 15.5% from the April 2020 base estimate of 90,356, making it Florida's 37th most populous county.
How do FEMA flood zones work in Nassau County?
Key water: Amelia Island, Amelia River, St. Marys River, Nassau River.
FEMA flood maps here include coastal high-hazard V zones and A zones along the Amelia Island 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.
None of Florida's 100 most populous cities are in Nassau County, but we quote homes countywide, including Fernandina Beach.
What storms have hit Nassau County?
Matthew (2016) and Irma (2017) brought surge and flooding to Amelia Island and riverfront areas.
Underwriters remember these events. Coastal location changes which part of that history matters most for your home.
Shopping for home insurance in Nassau 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 building code rules affect Nassau 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.
Why do quotes vary so much in Nassau County?
Amelia Island homes and inland Yulee/Callahan homes are effectively two different markets.
Many Nassau 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.
Frequently asked questions
Is FMAP.insure the official FMAP for Nassau 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 Nassau County home?
Yes. Nymble Insurance is a licensed Florida agency (L131669) and quotes homeowners across Nassau County and the rest of Florida. Every applicant gets a quote request reviewed.
Does my homeowners policy cover storm surge in Nassau 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 Nassau 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.