Does San Pablo flood?
San Pablo, Jacksonville, FL · ZIP codes 32224, 32225 and 32250: the ZIP codes on most of the flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around San Pablo have filed flood claims. About 46% of San Pablo’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 50 claims from the Census block groups that cover San Pablo, from 1980 through 2022. 34 of them received a payment, totaling $1,639,974 (not adjusted for inflation). The busiest years were 2016 (16 claims), 2017 (13 claims), 2015 (4 claims).
What this page counts as San Pablo
We could not find an openly licensed official boundary for San Pablo, so this page uses a census-based area. For this page, San Pablo 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 Pablo (feature 290491), 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 Pablo. 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 Pablo
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 Pablo
The named streets in San Pablo, longest first, with how much of each street’s length inside San Pablo lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside San Pablo; 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. 85 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| Beach Blvd | 2.2 mi | 18% | X (unshaded, minimal) (74%) |
| San Pablo Rd | 2.0 mi | 0.0% | X (unshaded, minimal) (94%) |
| San Pablo Rd S | 1.5 mi | 2.8% | X (unshaded, minimal) (84%) |
| Discovery Way | 1.2 mi | 0.0% | X (unshaded, minimal) (100%) |
| Hodges Blvd | 5,220 ft | 0.0% | X (unshaded, minimal) (100%) |
| Suni Pines Blvd | 4,130 ft | 0.0% | X (unshaded, minimal) (100%) |
| Pine Island Dr | 3,770 ft | 94% | AE (94%) |
| Crystal Cove Dr | 3,470 ft | 0.0% | X (unshaded, minimal) (100%) |
| Bonaventure Ave | 3,070 ft | 0.0% | X (unshaded, minimal) (100%) |
| Canyon Falls Dr | 2,790 ft | 0.0% | X (unshaded, minimal) (100%) |
| Van Zile Ave | 2,710 ft | 0.0% | X (unshaded, minimal) (100%) |
| Gerona Dr E | 2,680 ft | 0.0% | X (unshaded, minimal) (100%) |
| Covenant Cove Dr | 2,490 ft | 0.0% | X (unshaded, minimal) (100%) |
| Ibis Point Blvd | 2,490 ft | 0.0% | X (unshaded, minimal) (80%) |
| Crystal Cove Dr S | 2,250 ft | 0.0% | X (unshaded, minimal) (100%) |
| Treasure Cove Ln | 2,190 ft | 92% | AE (92%) |
| Pine Island Ct | 2,150 ft | 100% | AE (100%) |
| Blackbeard Dr | 1,940 ft | 0.0% | X (unshaded, minimal) (88%) |
| Castaway Dr | 1,830 ft | 0.0% | X (shaded, 0.2% annual chance) (95%) |
| Spoonbill St | 1,820 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| Intracoastal Sound Dr | 1,770 ft | 0.0% | X (unshaded, minimal) (100%) |
| Chesterbrook Ct | 1,670 ft | 0.0% | X (unshaded, minimal) (100%) |
| Evergreen Dr | 1,660 ft | 0.0% | X (unshaded, minimal) (100%) |
| San Pablo Dr N | 1,650 ft | 75% | AE (75%) |
| Riverview Dr | 1,620 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 San Pablo
Share of San Pablo’s mapped area (about 9.586 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 (12031C0404J, 12031C0408J, 12031C0412J, 12031C0416J): November 2, 2018.
| FEMA zone | Share of area |
|---|---|
| X (unshaded, minimal) | 48% |
| AE | 39% |
| VE | 7.1% |
| X (shaded, 0.2% annual chance) | 5.3% |
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 Pablo. 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 | 5 | $2,959 |
| 1990s | 3 | $1,963 |
| 2000s | 5 | $16,348 |
| 2010s | 35 | $1,468,713 |
| 2020s | 2 | $149,990 |
By year of loss
Named flood events with the most claims
- Hurricane Matthew: 16 claims
- Hurricane Irma: 13 claims
- Hurricane Nicole: 2 claims
- Tropical Storm Debby: 2 claims
- Hurricane Frances: 2 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 37
- X/B/C (moderate or minimal): 12
- Not reported: 1
How much is flood insurance in San Pablo?
The typical National Flood Insurance Program policy on single-family homes in San Pablo costs $1,017 a year: the median of 113 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $886 and $1,126. 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 Pablo
- 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 Pablo
Flood maps are only one part of choosing a neighborhood. To compare San Pablo with other Jacksonville neighborhoods on more than flooding, see Jacksonville on StrollPlace.
Buyer and renter FAQ
Does San Pablo flood?
Yes. Insured properties in and around San Pablo have filed flood claims. About 46% of San Pablo’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 50 claims from the Census block groups that cover San Pablo, from 1980 through 2022. 34 of them received a payment, totaling $1,639,974 (not adjusted for inflation). The busiest years were 2016 (16 claims), 2017 (13 claims), 2015 (4 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is San Pablo in a flood zone?
About 46% of San Pablo’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) 48%; AE 39%; VE 7.1%; X (shaded, 0.2% annual chance) 5.3%. The FIRM panel(s) covering it took effect November 2, 2018.
Which streets in San Pablo are in a high-risk flood zone?
Most of the length of Pine Island Dr, Treasure Cove Ln, Pine Island Ct and San Pablo Dr N lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of San Pablo Rd, San Pablo Rd S, Discovery Way, Hodges Blvd, Suni Pines Blvd, Crystal Cove Dr, Bonaventure Ave and Canyon Falls Dr does. Zones can change along a street, so check the exact address.
What ZIP code is San Pablo in?
San Pablo is in Jacksonville, FL. ZIP codes 32224, 32225 and 32250: the ZIP codes on most of the 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 Pablo?
The typical NFIP flood insurance policy on single-family homes in San Pablo cost $1,017 a year: the median of 113 policies that started between August 1, 2025 and July 31, 2026. Half cost between $886 and $1,126. 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
- Greenfield
- Does Isle of Palms flood?
- Oak Harbor
- Cosmo
- Fulton
- 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: 120310143321, 120310143311, 120310143312, 120310143313. 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.