Does San Marco flood?
San Marco, Jacksonville, FL · ZIP code 32207: the ZIP code on 340 of the 342 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around San Marco have filed flood claims. About 29% of San Marco’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 342 claims from the Census block groups that cover San Marco, from 1979 through 2024. 276 of them received a payment, totaling $17,610,810 (not adjusted for inflation). The busiest years were 2017 (209 claims), 2004 (26 claims), 2008 (17 claims).
What this page counts as San Marco
We could not find an openly licensed official boundary for San Marco, so this page uses a census-based area. For this page, San Marco 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 Marco (feature 290484), 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 Marco. 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 Marco
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 Marco
The named streets in San Marco, longest first, with how much of each street’s length inside San Marco lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside San Marco; 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. 43 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| I-95 | 2.0 mi | 16% | X (unshaded, minimal) (57%) |
| State Hwy 10 | 1.9 mi | 12% | X (unshaded, minimal) (56%) |
| Hendricks Ave | 1.5 mi | 0.0% | X (unshaded, minimal) (78%) |
| San Marco Blvd | 1.4 mi | 47% | AE (47%) |
| River Rd | 1.2 mi | 27% | X (unshaded, minimal) (46%) |
| Prudential Dr | 4,180 ft | 0.0% | X (unshaded, minimal) (65%) |
| S Main St | 3,850 ft | 30% | X (shaded, 0.2% annual chance) (56%) |
| Naldo Ave | 3,710 ft | 8.9% | X (shaded, 0.2% annual chance) (52%) |
| Flagler Ave | 3,490 ft | 23% | X (unshaded, minimal) (38%) |
| Lasalle St | 3,210 ft | 73% | AE (73%) |
| Cedar St | 3,190 ft | 50% | AE (50%) |
| Landon Ave | 3,130 ft | 19% | X (unshaded, minimal) (44%) |
| River Oaks Rd | 3,120 ft | 1.2% | X (unshaded, minimal) (99%) |
| Nira St | 3,050 ft | 41% | AE (41%) |
| Belmonte Ave | 2,890 ft | 23% | X (shaded, 0.2% annual chance) (46%) |
| Palm Ave | 2,730 ft | 66% | AE (66%) |
| Acosta Xy | 2,540 ft | 6.3% | X (unshaded, minimal) (82%) |
| Thacker Ave | 2,200 ft | 0.0% | X (unshaded, minimal) (94%) |
| Larue Ave | 2,190 ft | 73% | AE (73%) |
| Minerva Ave | 2,110 ft | 0.0% | X (unshaded, minimal) (95%) |
| Kings Ave | 2,110 ft | 0.0% | X (shaded, 0.2% annual chance) (68%) |
| Arcadia Pl | 2,060 ft | 0.0% | X (unshaded, minimal) (100%) |
| Atlantic Blvd | 2,010 ft | 0.0% | X (unshaded, minimal) (100%) |
| Largo Rd | 1,930 ft | 1.1% | X (unshaded, minimal) (73%) |
| Gary St | 1,840 ft | 28% | X (unshaded, minimal) (49%) |
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 Marco
Share of San Marco’s mapped area (about 5.353 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 4 to 7 feet. Effective date of the FIRM panel(s) covering it (12031C0358J, 12031C0359J, 12031C0366J, 12031C0367J): November 2, 2018.
| FEMA zone | Share of area |
|---|---|
| X (unshaded, minimal) | 38% |
| AE | 29% |
| Open water | 20% |
| X (shaded, 0.2% annual chance) | 13% |
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 Marco. 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 | 2 | $4,646 |
| 1980s | 1 | $0 |
| 1990s | 25 | $130,960 |
| 2000s | 65 | $1,030,277 |
| 2010s | 229 | $16,370,047 |
| 2020s | 20 | $74,879 |
By year of loss
Named flood events with the most claims
- Hurricane Irma: 207 claims
- Hurricane Jeanne: 24 claims
- Tropical Storm Fay: 16 claims
- Hurricane Helene: 13 claims
- Tropical Storm Debby: 11 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 249
- X/B/C (moderate or minimal): 93
How much is flood insurance in San Marco?
The typical National Flood Insurance Program policy on single-family homes in San Marco costs $1,183 a year: the median of 115 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $1,019 and $1,276. 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 Marco
- 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 Marco
Flood maps are only one part of choosing a neighborhood. For what day-to-day life in San Marco is like, from parks to errands, see Living in San Marco, Jacksonville on StrollPlace.
Buyer and renter FAQ
Does San Marco flood?
Yes. Insured properties in and around San Marco have filed flood claims. About 29% of San Marco’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 342 claims from the Census block groups that cover San Marco, from 1979 through 2024. 276 of them received a payment, totaling $17,610,810 (not adjusted for inflation). The busiest years were 2017 (209 claims), 2004 (26 claims), 2008 (17 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is San Marco in a flood zone?
About 29% of San Marco’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) 38%; AE 29%; Open water 20%; X (shaded, 0.2% annual chance) 13%. The FIRM panel(s) covering it took effect November 2, 2018.
Which streets in San Marco are in a high-risk flood zone?
Most of the length of Lasalle St, Cedar St, Palm Ave and Larue Ave lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of Hendricks Ave, Prudential Dr, Naldo Ave, River Oaks Rd, Acosta Xy, Thacker Ave, Minerva Ave and Kings Ave does. Zones can change along a street, so check the exact address.
What ZIP code is San Marco in?
San Marco is in Jacksonville, FL. ZIP code 32207: the ZIP code on 340 of the 342 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 Marco?
The typical NFIP flood insurance policy on single-family homes in San Marco cost $1,183 a year: the median of 115 policies that started between August 1, 2025 and July 31, 2026. Half cost between $1,019 and $1,276. 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 Brooklyn flood?
- Does Riverside flood?
- Does Philips flood?
- Does Englewood flood?
- Does Springfield flood?
- Does Lakewood 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: 120310007001, 120310008001, 120310008002. 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.