Does Isle of Palms flood?
Isle of Palms, Jacksonville, FL · ZIP code 32250: the ZIP code on 84 of the 84 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Isle of Palms have filed flood claims. About 79% of Isle of Palms’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). NFIP flood insurance records list 84 claims from the Census block groups that cover Isle of Palms, from 1979 through 2024. 62 of them received a payment, totaling $2,886,917 (not adjusted for inflation). The busiest years were 2016 (26 claims), 2017 (24 claims), 2022 (6 claims).
What this page counts as Isle of Palms
We could not find an openly licensed official boundary for Isle of Palms, so this page uses a census-based area. For this page, Isle of Palms 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 Isle of Palms (feature 284627), 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 Isle of Palms. 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 Isle of Palms
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 Isle of Palms
The named streets in Isle of Palms, longest first, with how much of each street’s length inside Isle of Palms lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Isle of Palms; 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. 10 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| Eunice Rd | 1.2 mi | 4.6% | X (shaded, 0.2% annual chance) (77%) |
| Beach Blvd | 4,040 ft | 57% | AE (54%) |
| Plumosa Dr | 3,540 ft | 78% | AE (78%) |
| Seabreeze Dr | 2,980 ft | 70% | AE (70%) |
| Lighthouse Point Ln | 2,490 ft | 64% | AE (64%) |
| Stacey Rd | 2,000 ft | 36% | X (shaded, 0.2% annual chance) (64%) |
| Marsh View Dr | 1,810 ft | 28% | X (shaded, 0.2% annual chance) (51%) |
| Coastal View Dr | 1,690 ft | 2.7% | X (shaded, 0.2% annual chance) (55%) |
| Marsh Island Ln | 1,570 ft | 100% | AE (100%) |
| Palm Island Rd | 1,410 ft | 100% | AE (100%) |
| Crystal View Ln | 1,410 ft | 89% | AE (89%) |
| Stacey Rd W | 1,330 ft | 54% | AE (54%) |
| Marshview Dr | 1,260 ft | 5.7% | X (shaded, 0.2% annual chance) (82%) |
| Bonefish Dr | 1,090 ft | 91% | AE (91%) |
| Island Dr | 1,080 ft | 100% | AE (100%) |
| Silver Palm Rd | 1,050 ft | 100% | AE (100%) |
| Silver Palm Dr | 1,050 ft | 100% | AE (100%) |
| Marsh Park Ct | 1,020 ft | 85% | AE (85%) |
| Lagoon Dr | 950 ft | 100% | AE (100%) |
| Cedar Island Rd E | 920 ft | 100% | AE (100%) |
| B Ward St | 900 ft | 19% | X (shaded, 0.2% annual chance) (54%) |
| Queen Palm Dr | 810 ft | 100% | AE (100%) |
| Royal Palm Dr | 810 ft | 100% | AE (100%) |
| E Luth Dr | 800 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| W Petite Dr | 790 ft | 100% | AE (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 Isle of Palms
Share of Isle of Palms’s mapped area (about 3.23 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 8 feet. Effective date of the FIRM panel(s) covering it (12031C0416J, 12031C0418J): November 2, 2018.
| FEMA zone | Share of area |
|---|---|
| AE | 65% |
| VE | 14% |
| X (shaded, 0.2% annual chance) | 13% |
| X (unshaded, minimal) | 7.7% |
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 Isle of Palms. 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 |
|---|---|---|
| 1970s | 1 | $3,973 |
| 1980s | 1 | $0 |
| 1990s | 3 | $3,299 |
| 2000s | 14 | $18,614 |
| 2010s | 57 | $2,452,295 |
| 2020s | 8 | $408,739 |
By year of loss
Named flood events with the most claims
- Hurricane Matthew: 25 claims
- Hurricane Irma: 23 claims
- Tropical Storm Debby: 6 claims
- Hurricane Nicole: 4 claims
- Tropical Storm Fay: 3 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 62
- X/B/C (moderate or minimal): 22
How much is flood insurance in Isle of Palms?
The typical National Flood Insurance Program policy on single-family homes in Isle of Palms costs $1,263 a year: the median of 322 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $1,084 and $1,506. That is the full amount paid for the year, the premium plus FEMA’s fees and surcharges, and every one of these policies is priced under Risk Rating 2.0. A quote for one building can be far from this: its elevation, foundation, age, coverage and deductible all change the price. Private flood insurance is not included.
Source: FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3, computed October 25, 2026.
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Before you rent or buy in Isle of Palms
- 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 Isle of Palms
Flood maps are only one part of choosing a neighborhood. To compare Isle of Palms with other Jacksonville neighborhoods on more than flooding, see Jacksonville on StrollPlace.
Buyer and renter FAQ
Does Isle of Palms flood?
Yes. Insured properties in and around Isle of Palms have filed flood claims. About 79% of Isle of Palms’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). NFIP flood insurance records list 84 claims from the Census block groups that cover Isle of Palms, from 1979 through 2024. 62 of them received a payment, totaling $2,886,917 (not adjusted for inflation). The busiest years were 2016 (26 claims), 2017 (24 claims), 2022 (6 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Isle of Palms in a flood zone?
About 79% of Isle of Palms’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). Shares by zone: AE 65%; VE 14%; X (shaded, 0.2% annual chance) 13%; X (unshaded, minimal) 7.7%. The FIRM panel(s) covering it took effect November 2, 2018.
Which streets in Isle of Palms are in a high-risk flood zone?
Most of the length of Beach Blvd, Plumosa Dr, Seabreeze Dr, Lighthouse Point Ln, Marsh Island Ln, Palm Island Rd, Crystal View Ln, Stacey Rd W, Bonefish Dr, Island Dr, Silver Palm Rd and Silver Palm Dr lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of Eunice Rd, Coastal View Dr, Marshview Dr and E Luth Dr does. Zones can change along a street, so check the exact address.
What ZIP code is Isle of Palms in?
Isle of Palms is in Jacksonville, FL. ZIP code 32250: the ZIP code on 84 of the 84 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.
How much is flood insurance in Isle of Palms?
The typical NFIP flood insurance policy on single-family homes in Isle of Palms cost $1,263 a year: the median of 322 policies that started between August 1, 2025 and July 31, 2026. Half cost between $1,084 and $1,506. One building’s quote can be far from this; its elevation, foundation, age, coverage and deductible all change the price.
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 San Pablo flood?
- Greenfield
- Oak Harbor
- Cosmo
- Fulton
- Sunbeam
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: 120310144081. 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.
- FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3.
- 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 25, 2026.