Flood Facts

rushing waterNews & Announcements

St. Johns County's NFIP Rating Provides Insurance Discounts for Some St. Johns County Property OwnersSt. Johns County has been designated as a CRS Class 5 community based on an assessment of numerous flood mitigation activities the County recently implemented to protect lives and reduce property damage. The rating provides a 25 percent discount to property owners who hold National Flood Insurance Program (NFIP) flood policies in Special Flood Hazard Areas on or after October 1, 2020. Additionally, a 10 percent discount will be applied to all standard-rated NFIP flood insurance policies in X zones. The discount is automatically applied and property owners can locate the discount on their NFIP policy declaration. The designation places St. Johns County within the top 17 percent of all CRS-participating communities in the state of Florida for 2020. The National Flood Insurance Program's Community Rating System (CRS) is a program created by FEMA that recognizes local efforts to reduce flood risk within the community and rewards residents and businesses by saving them money on flood insurance premiums. For more information, please call 904.827.6800 (Option 5).

New Elevation Certificate – Effective immediately, all Elevation Certificates signed and sealed on February 21, 2020 or later must be completed using this new form. Any Elevation Certificates received using the old form will be rejected as of 02/21/20, and must resubmitted using the new Elevation Certificate. Note that this form is the same as the previous version, the only update is a new expiration date. For more information, please contact wwoodward@sjcfl.us.

Check out our Interactive Flood Zone Viewer

FIRM Determination Letter

Attention Insurance Agents & Lenders: If you are in need of a FIRM (Flood Insurance Rate Map) Determination letter (to determine the current Flood Zone information for a property), a Historical FIRM Determination letter (to determine what Flood Zone a structure was built in originally), or a Community Acknowledgment Letter (for elevation certificates with Engineered Flood Study) please complete the Multi-Use Application and Credit Card Authorization and send your request to Westly Woodward at wwoodward@sjcfl.us or call 904-209-0627 with questions. Turnaround time is 3 business days or less.

Floodplain Determination

To find out if a property is in a Special Flood Hazard or Conservation Area, you can search by address with the iMap interactive mapping tool.

You can also find a wealth of information in the GIS Map Mart including Evacuation Routes, Flood Hazards, Wetlands, Storm Surge Zones, and other St. Johns County maps.

For an official floodplain determination, questions about CRS and/or file copies of Elevation Certificated, please contact Westly Woodward, Floodplain Management at (904) 209-0627 or via email at wwoodward@sjcfl.us or visit the Building Services Division located at 4040 Lewis Speedway, St. Augustine, FL 32084.

Flood Determination Requests and Information

  • Flood Determinations may be requested through the St Johns County Building Services Division at (904) 827-6800. This service includes Elevation Certificates that are on file, Base Flood Elevations, Wetland information, restricted areas and past flood information. Or search for an Elevation Certificate online through the Florida Division of Emergency Management’s Online Elevation Certificate Database.
  • Buy flood insurance. Nearly 25% of all flood insurance claims are filed by those outside of a flood risk area.
  • For wind and flood mitigation strategies, contact the Building Services Division at (904) 827-6800.
  • For contractor and permitting information, please visit Building Services.
  • If you experience any localized drainage problems, including illegal stream dumping, please notify the County Road and Bridge Department at (904) 209-0266, so that the problem can be corrected and we will send someone out to review the site problem and provide advice, or suggest solutions.

Floodplain Development Permit Requirements

For information about building and permitting within a floodplain visit the Building Services division, or contact them at (904) 827-6800.

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.

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. For local precipitation data reports, visit the St. Johns County Water Management District.

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.

Drainage System Maintenance

A community can lose a portion of its drainage system carrying or storage capacity due to dumping, debris, soil erosion and sedimentation, and overgrowth of vegetation. When this happens, flooding occurs more frequently and reaches higher elevations, subjecting properties otherwise protected to unnecessary risk of damage. Keep grass clippings and other debris out of stormwater drainage systems to prevent clogging and loss of stormwater storage and treatment capacity.

If you experience any localized drainage problems, including illegal stream dumping, please notify the County Road and Bridge Department at (904) 209-0246, so that the problem can be corrected.

Related Information

Protect Family & Property from Flood Risk Workshops

Westly Woodward, St. Johns County Floodplain Management; periodically presents workshops at St. Johns County Public Library about flood risk and mitigation strategies. For more information, please contact Westly Woodward at (904) 209-0627 or wwoodward@sjcfl.us.

Workshop Presentation Materials
All files are in Adobe Acrobat PDF format
1. Introduction & Know Your Flood Zone 2. Flood Insurance Fact Sheet
3. Know Your Evacuation Zone 4. Things You Can Do to Protect Your Property
5. Build Responsibly 6. Protect Natural Floodplain Functions
7. Hurricane Preparedness Guide Flood Zones Map (Large Format)


Westly Woodward
Floodplain Management, St. Johns County
4040 Lewis Speedway
St. Augustine, FL 32084
(904) 209-0627