Is St. Johns County, FL in a flood zone?
FEMA's National Risk Index puts St. Johns County's flood hazard at the 89.4th percentile nationally — well above the national norm for flood hazard — split between inland river flooding (about 1.5 times a year) and coastal storm surge (about 2.9 times a year). This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
St. Johns County's flood-insurance compliance gap
The raw NFIP numbers for St. Johns County would imply over 100% of mandated homes carry a policy, which just means FEMA's structure-count denominator for this county is wrong, not that compliance is unusually good. This is flagged rather than clipped to look normal — details in the data quality guide. Across all residential structures in St. Johns County, not just the ones FEMA mandates, 23.2% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How St. Johns County compares nationally
St. Johns County sits at rank 350 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 222 of 3144 by population (1 is biggest). St. Johns County, Florida covers 600.663 square miles and counts roughly 334,928 residents.
Checking a specific address in St. Johns County
FEMA counts 96,803 residential structures in St. Johns County overall, 22,491 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 St. Johns County's numbers. See the data quality guide for why St. Johns County, like hundreds of other counties, doesn't get a clean compliance percentage.