Is Duval County, FL in a flood zone?
FEMA's National Risk Index puts Duval County's flood hazard at the 97.6th percentile nationally — well above the national norm for flood hazard — split between inland river flooding (about 3.5 times a year) and coastal storm surge (about 2.8 times a year). County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Who actually carries the flood insurance FEMA requires
Homes with a federally backed mortgage inside Duval County's mapped high-risk flood zone (the Special Flood Hazard Area, or SFHA) are legally required to carry an NFIP flood policy. In practice, 60.3% of them do — 5,859 active policies against 9,721 structures FEMA counts in that zone, leaving a real compliance gap. Across all residential structures in Duval County, not just the ones FEMA mandates, 6.3% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Duval County against the rest of the country
Duval County sits at rank 83 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 46 of 3144 by population (1 is biggest). Duval County, Florida is home to about 1,055,159 people across 762.687 square miles of land.
Your street may differ from Duval County's average
FEMA counts 328,032 residential structures in Duval County overall, 20,676 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Duval County's numbers. Because storm surge plays a real role here, the guide to coastal vs. inland flood hazard is worth reading alongside this page.