Flood Facts

Local Flood Hazards

The Local Flood Hazard Flooding in St. Johns County is primarily caused by heavy rainfall in short periods of time, commonly associated with thunderstorms, and from seasonal high tides. The greatest flood threats come from tidal surges that accompany coastal storms, tropical storms and hurricanes.

Flood Insurance

For many people, their home and its contents represent their greatest investment. Property losses due to flooding are not covered under most standard homeowners' insurance policies. You can protect your home and its contents with flood insurance through the National Flood Insurance Program (NFIP).

The NFIP is a federal program established by Congress in 1968, which enables property owners to buy flood insurance at reasonable rates in participating communities. In return, participating communities conduct flood management measures designed to protect life and property from future flooding.

The NFIP is administered by the Federal Emergency Management Agency (FEMA) through its Federal Insurance Administration (FIA). St. Johns County has participated in the NFIP since 1973.

To find out more about flood insurance for your property and its contents, contact your insurance agent. There is a 30-day waiting period before a flood insurance policy takes effect, so don't wait until a storm threatens before purchasing the flood insurance you need.

Floodplain Development Permit Requirements

Any development in the floodplain requires a construction permit. If you suspect that illegal floodplain development is occurring call the St. Johns County Transportation Development Division at (904) 209-0672.

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