Does Garden City flood?
Garden City, Jacksonville, FL · ZIP code 32218: the ZIP code on 22 of the 22 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Garden City have filed flood claims. About 14% of Garden City’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. NFIP flood insurance records list 22 claims from the Census block groups that cover Garden City, from 1992 through 2018. 15 of them received a payment, totaling $349,143 (not adjusted for inflation). The busiest years were 2017 (12 claims), 2008 (2 claims), 2016 (2 claims).
What this page counts as Garden City
We could not find an openly licensed official boundary for Garden City, so this page uses a census-based area. For this page, Garden City means the 2010 Census block groups whose center lies within 1.6 km (1.0 miles) of the U.S. Geological Survey (GNIS) map point for Garden City (feature 282918), each block group going to the nearest of the places we cover. Every number below is for exactly those block groups (listed in “How these numbers were made”), so the edges are approximate and may include or leave out a few blocks people would call Garden City. Sources: U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names.
Past claims do not predict future flooding, and a neighborhood figure cannot tell you about one building. Look up the exact address on the FEMA Flood Map Service Center and get flood insurance quotes before you sign a lease or a contract.
Check a specific address in Garden City
Neighborhood figures are averages. Our address check looks up the FEMA flood zone at one address, from the same public maps: check if your address is in a flood zone.
Flood zones street by street in Garden City
The named streets in Garden City, longest first, with how much of each street’s length inside Garden City lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Garden City; the main zone is the FEMA zone covering most of that length. A street can cross several zones, so the zone at one address can differ from the street’s main zone: check the address above for that. 82 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| State Hwy 9 A | 4.4 mi | 1.0% | X (unshaded, minimal) (95%) |
| Lem Turner Rd | 2.8 mi | 1.3% | X (unshaded, minimal) (94%) |
| Armsdale Rd | 2.7 mi | 0.0% | X (unshaded, minimal) (100%) |
| Dunn Ave | 1.9 mi | 0.0% | X (unshaded, minimal) (100%) |
| Duval Rd | 1.8 mi | 9.1% | X (unshaded, minimal) (88%) |
| Biscayne Blvd | 1.5 mi | 13% | X (unshaded, minimal) (80%) |
| Alexandra Dr | 1.2 mi | 0.0% | X (unshaded, minimal) (100%) |
| Capper Rd | 5,080 ft | 0.0% | X (unshaded, minimal) (92%) |
| Wingate Rd | 4,000 ft | 0.0% | X (unshaded, minimal) (99%) |
| Eisner Dr | 3,010 ft | 1.1% | X (unshaded, minimal) (99%) |
| Lydia Estates Dr E | 2,730 ft | 0.0% | X (unshaded, minimal) (100%) |
| Lydia Estates Dr | 2,710 ft | 0.0% | X (unshaded, minimal) (100%) |
| Bessent Rd | 2,660 ft | 33% | X (unshaded, minimal) (34%) |
| Natalie Dr | 2,590 ft | 0.0% | X (unshaded, minimal) (100%) |
| Blossom Ridge Dr | 2,540 ft | 0.0% | X (unshaded, minimal) (100%) |
| Elsa Dr | 2,130 ft | 0.0% | X (unshaded, minimal) (100%) |
| W Court Blvd | 2,100 ft | 0.0% | X (unshaded, minimal) (100%) |
| Lorence Ave | 2,020 ft | 0.0% | X (unshaded, minimal) (100%) |
| Beam St | 1,990 ft | 54% | AE (54%) |
| Smith Point Dr | 1,970 ft | 0.0% | X (unshaded, minimal) (100%) |
| Montward Rd | 1,910 ft | 0.0% | X (unshaded, minimal) (100%) |
| Arnez Rd | 1,900 ft | 0.0% | X (unshaded, minimal) (100%) |
| Biscayne Bay Cir | 1,890 ft | 0.0% | X (unshaded, minimal) (100%) |
| Alpin Dr | 1,880 ft | 2.3% | X (unshaded, minimal) (98%) |
| Oak Lawn Rd | 1,880 ft | 0.0% | X (unshaded, minimal) (100%) |
Streets: U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads). Flood zones: FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, retrieved October 25, 2026. Each street is clipped to the area boundary and measured in an equal-area projection. Street lengths are rounded.
Flood zones in Garden City
Share of Garden City’s mapped area (about 9.509 km²) in each FEMA flood zone, from FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Mapped base flood elevations inside the neighborhood range from 5 to 21 feet. Effective date of the FIRM panel(s) covering it (12031C0179H, 12031C0183J, 12031C0187J): June 3, 2013, November 2, 2018.
| FEMA zone | Share of area |
|---|---|
| X (unshaded, minimal) | 84% |
| AE | 11% |
| A | 2.2% |
| X (shaded, 0.2% annual chance) | 2.0% |
| AO | 1.0% |
What the zones mean
- Zone AE (and A, AH, AO)
- High-risk: part of the Special Flood Hazard Area (SFHA), the area FEMA maps as having a 1-percent chance of flooding in any given year (the “100-year” or base flood). AE areas have a mapped base flood elevation.
- Zone VE (and V)
- High-risk coastal areas, also in the SFHA, where the base flood is expected to bring additional hazards from storm waves.
- Zone X (shaded)
- Moderate hazard: between the limits of the 1-percent and the 0.2-percent-annual-chance (“500-year”) flood.
- Zone X (unshaded)
- Minimal hazard: outside the SFHA and higher than the 0.2-percent-annual-chance flood elevation. Minimal is not zero: flood claims are filed from X zones too.
Source: FEMA Glossary: Flood Zones.
Flood insurance claims over time
Claims filed under the National Flood Insurance Program (NFIP) from the 2010 Census block groups that cover Garden City. This area is made of whole block groups, so every claim counted here comes from inside it. Only insured properties appear, so these counts understate total flooding.
By decade
| Decade | Claims | Paid |
|---|---|---|
| 1990s | 2 | $2,866 |
| 2000s | 5 | $44,831 |
| 2010s | 15 | $301,446 |
By year of loss
Named flood events with the most claims
- Hurricane Irma: 12 claims
- Tropical Storm Fay: 2 claims
- Hurricane Matthew: 2 claims
- Flooding: 2 claims
- Hurricane Michael: 1 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 11
- X/B/C (moderate or minimal): 11
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Before you rent or buy in Garden City
- Look up the exact address on the FEMA Flood Map Service Center; a neighborhood can mix high-risk and minimal-hazard zones.
- Ask the landlord or seller about past flooding and flood insurance claims at the property.
- Get a flood insurance quote early: new NFIP policies usually take 30 days to start (FloodSmart (NFIP): Buy a Flood Insurance Policy).
- Ask which floor the unit is on and where parking, storage and mechanical equipment sit.
Living in Garden City
Flood maps are only one part of choosing a neighborhood. To compare Garden City with other Jacksonville neighborhoods on more than flooding, see Jacksonville on StrollPlace.
Buyer and renter FAQ
Does Garden City flood?
Yes. Insured properties in and around Garden City have filed flood claims. About 14% of Garden City’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. NFIP flood insurance records list 22 claims from the Census block groups that cover Garden City, from 1992 through 2018. 15 of them received a payment, totaling $349,143 (not adjusted for inflation). The busiest years were 2017 (12 claims), 2008 (2 claims), 2016 (2 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Garden City in a flood zone?
About 14% of Garden City’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. Shares by zone: X (unshaded, minimal) 84%; AE 11%; A 2.2%; X (shaded, 0.2% annual chance) 2.0%; AO 1.0%. The FIRM panel(s) covering it took effect June 3, 2013, November 2, 2018.
Which streets in Garden City are in a high-risk flood zone?
Most of the length of Beam St lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of State Hwy 9 A, Lem Turner Rd, Armsdale Rd, Dunn Ave, Duval Rd, Alexandra Dr, Capper Rd and Wingate Rd does. Zones can change along a street, so check the exact address.
What ZIP code is Garden City in?
Garden City is in Jacksonville, FL. ZIP code 32218: the ZIP code on 22 of the 22 flood insurance claims counted here. ZIP codes do not follow neighborhood lines. Check the specific address for its own flood zone.
Do renters need flood insurance?
Standard renters policies usually do not cover flood. Renters in a community that participates in the NFIP can buy contents-only flood coverage, up to $100,000 for belongings.
How long does a new flood policy take to start?
A new NFIP policy generally takes effect 30 days after purchase. Exceptions include no wait when the policy is bought while making, increasing, extending or renewing a mortgage, and a one-day wait in a newly designated high-risk zone within 12 months of the map change.
How much coverage can NFIP provide?
For a one-to-four family home, NFIP building coverage goes up to $250,000 and contents coverage up to $100,000. You can buy flood insurance even if you are not in a high-risk zone, as long as your community participates in the NFIP.
FAQ sources: FloodSmart (NFIP): Buy a Flood Insurance Policy; FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025); 44 CFR 61.11, Effective date and time of coverage.
Nearby neighborhoods
- Does Riverview flood?
- Does Highlands flood?
- Does Beverly Hills flood?
- San Mateo
- Does Lake Forest flood?
- Duval
How these numbers were made
Area: the census-based definition above, using U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names. Flood zone shares: the area polygon intersected with FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, area computed in an equal-area projection; retrieved October 25, 2026. Claims: OpenFEMA NFIP Redacted Claims v3 records for Duval County (county code 12031), dataset as of September 8, 2026, retrieved October 25, 2026. Claims are counted for exactly the block groups that make up the area. Block groups used: 120310103031, 120310105003. Neighboring pages can share a block group, so their counts can overlap. Paid totals add building, contents and Increased Cost of Compliance payments and are not adjusted for inflation; a claim whose FEMA record shows a negative payment (an adjustment) counts as zero. See the methodology.
Sources
- Federal Emergency Management Agency (FEMA), FEMA OpenFEMA Dataset: FIMA NFIP Redacted Claims - v3. Retrieved on October 25, 2026.
- FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Retrieved on October 25, 2026.
- U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names.
- FEMA Glossary: Flood Zones.
- FloodSmart (NFIP): Buy a Flood Insurance Policy.
- FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025).
- 44 CFR 61.11, Effective date and time of coverage.
- OpenFEMA Terms and Conditions.
- U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads).
Data as of September 8, 2026 (FEMA claims) and October 25, 2026 (flood zones). Page last updated October 28, 2026.