Home insurance in St. Johns County, Florida
St. Johns County (St. Augustine is the county seat) had about 334,928 residents in 2024 per Census estimates. It is a coastal county on the Atlantic side in the Northeast Florida. Matthew (2016) and Irma (2017) flooded downtown St. Augustine. Roof age, wind mitigation and flood drive most quotes here.
County seat St. AugustinePopulation (2024 est.) 334,928Setting Coastal (Atlantic)Region Northeast Florida
How fast is St. Johns County growing?
The Census Bureau's Vintage 2024 estimate puts St. Johns County at 334,928 residents. That is up about 22.5% from the April 2020 base estimate of 273,423, making it Florida's 21st most populous county.
Why do quotes vary so much in St. Johns County?
St. Augustine's historic homes, coastal homes, and new Nocatee/World Golf Village subdivisions are very different risks.
Many St. Johns 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.
None of Florida's 100 most populous cities are in St. Johns County, but we quote homes countywide, including St. Augustine.
What is the flood risk in St. Johns County?
Key water: Matanzas River, Intracoastal, Atlantic beaches, St. Johns River (west).
FEMA flood maps here include coastal high-hazard V zones and A zones along the Matanzas 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.
Shopping for home insurance in St. Johns 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) 291-3484Which hurricanes shaped insurance in St. Johns County?
Matthew (2016) and Irma (2017) flooded downtown St. Augustine; Dora (1964) made landfall near St. Augustine.
Underwriters remember these events. Coastal location changes which part of that history matters most for your home.
Is St. Johns County in a wind-borne debris region?
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 St. Johns 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 St. Johns County home?
Yes. Nymble Insurance is a licensed Florida agency (L131669) and quotes homeowners across St. Johns County and the rest of Florida. Every applicant gets a quote request reviewed.
Does my homeowners policy cover storm surge in St. Johns 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 St. Johns 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.