Does San Jose flood?
San Jose, Jacksonville, FL · ZIP code 32217: the ZIP code on 93 of the 94 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around San Jose have filed flood claims. About 3.9% of San Jose’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 94 claims from the Census block groups that cover San Jose, from 1985 through 2024. 59 of them received a payment, totaling $3,655,500 (not adjusted for inflation). The busiest years were 2017 (26 claims), 2012 (21 claims), 2008 (12 claims).
What this page counts as San Jose
We could not find an openly licensed official boundary for San Jose, so this page uses a census-based area. For this page, San Jose 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 San Jose (feature 290477), 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 San Jose. 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 San Jose
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 San Jose
The named streets in San Jose, longest first, with how much of each street’s length inside San Jose lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside San Jose; 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. 95 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| I-95 | 4.2 mi | 0.0% | X (unshaded, minimal) (100%) |
| State Hwy 5 | 3.7 mi | 0.0% | X (unshaded, minimal) (92%) |
| Old Kings Rd S | 3.2 mi | 0.0% | X (unshaded, minimal) (90%) |
| Powers Ave | 1.9 mi | 0.0% | X (unshaded, minimal) (84%) |
| Baymeadows Way | 1.6 mi | 0.0% | X (unshaded, minimal) (100%) |
| San Jose Blvd | 1.3 mi | 0.0% | X (unshaded, minimal) (100%) |
| Baymeadows Rd | 1.3 mi | 0.0% | X (unshaded, minimal) (94%) |
| Bayberry Rd | 1.2 mi | 0.0% | X (unshaded, minimal) (100%) |
| Marianna Rd | 1.1 mi | 0.0% | X (unshaded, minimal) (100%) |
| La Vista Cir | 1.0 mi | 0.0% | X (unshaded, minimal) (100%) |
| J Turner Butler Blvd | 5,180 ft | 0.0% | X (unshaded, minimal) (100%) |
| Bonneval Rd | 4,870 ft | 0.0% | X (unshaded, minimal) (100%) |
| Ponce de Leon Ave | 4,420 ft | 0.0% | X (unshaded, minimal) (100%) |
| St Augustine Rd | 4,280 ft | 0.0% | X (unshaded, minimal) (100%) |
| Toledo Rd | 3,810 ft | 0.0% | X (unshaded, minimal) (100%) |
| University Blvd W | 3,740 ft | 0.0% | X (unshaded, minimal) (100%) |
| Richard St | 3,680 ft | 0.0% | X (unshaded, minimal) (100%) |
| Via de la Reina | 3,420 ft | 0.0% | X (unshaded, minimal) (100%) |
| Via de la Reina St | 3,420 ft | 0.0% | X (unshaded, minimal) (100%) |
| Bowden Rd | 3,360 ft | 0.0% | X (unshaded, minimal) (100%) |
| Cypress Plz Dr | 3,080 ft | 0.0% | X (unshaded, minimal) (100%) |
| Ferrarra St | 3,010 ft | 0.0% | X (unshaded, minimal) (100%) |
| Habana Ave | 2,920 ft | 0.0% | X (unshaded, minimal) (100%) |
| Conga St | 2,910 ft | 0.0% | X (unshaded, minimal) (100%) |
| Praver Dr E | 2,720 ft | 0.0% | X (unshaded, minimal) (64%) |
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 San Jose
Share of San Jose’s mapped area (about 12.963 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 18.5 to 20.6 feet. Effective date of the FIRM panel(s) covering it (12031C0369J, 12031C0388H, 12031C0532J, 12031C0551J, 12031C0552H): June 3, 2013, November 2, 2018.
| FEMA zone | Share of area |
|---|---|
| X (unshaded, minimal) | 94% |
| AE | 3.3% |
| X (shaded, 0.2% annual chance) | 2.2% |
| A | 0.6% |
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 San Jose. 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 |
|---|---|---|
| 1980s | 1 | $0 |
| 1990s | 8 | $20,547 |
| 2000s | 25 | $162,842 |
| 2010s | 57 | $3,472,111 |
| 2020s | 3 | $0 |
By year of loss
Named flood events with the most claims
- Hurricane Irma: 25 claims
- Tropical Storm Debby: 19 claims
- Tropical Storm Fay: 11 claims
- Hurricane Matthew: 6 claims
- Hurricane Frances: 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): 58
- X/B/C (moderate or minimal): 36
How much is flood insurance in San Jose?
The typical National Flood Insurance Program policy on single-family homes in San Jose costs $916 a year: the median of 83 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $826 and $1,037. 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 San Jose
- 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 San Jose
Flood maps are only one part of choosing a neighborhood. To compare San Jose with other Jacksonville neighborhoods on more than flooding, see Jacksonville on StrollPlace.
Buyer and renter FAQ
Does San Jose flood?
Yes. Insured properties in and around San Jose have filed flood claims. About 3.9% of San Jose’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 94 claims from the Census block groups that cover San Jose, from 1985 through 2024. 59 of them received a payment, totaling $3,655,500 (not adjusted for inflation). The busiest years were 2017 (26 claims), 2012 (21 claims), 2008 (12 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is San Jose in a flood zone?
About 3.9% of San Jose’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) 94%; AE 3.3%; X (shaded, 0.2% annual chance) 2.2%; A 0.6%. The FIRM panel(s) covering it took effect June 3, 2013, November 2, 2018.
Which streets in San Jose are in a high-risk flood zone?
No street listed here has most of its length in FEMA high-risk zones. Less than 10% of I-95, State Hwy 5, Old Kings Rd S, Powers Ave, Baymeadows Way, San Jose Blvd, Baymeadows Rd and Bayberry Rd does. Zones can change along a street, so check the exact address.
What ZIP code is San Jose in?
San Jose is in Jacksonville, FL. ZIP code 32217: the ZIP code on 93 of the 94 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 San Jose?
The typical NFIP flood insurance policy on single-family homes in San Jose cost $916 a year: the median of 83 policies that started between August 1, 2025 and July 31, 2026. Half cost between $826 and $1,037. 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 Lakewood flood?
- Sunbeam
- Does Englewood flood?
- Does Philips flood?
- Does San Marco flood?
- Does Arlington flood?
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: 120310166012, 120310166014, 120310166041, 120310166011, 120310166042. 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.