Mostly no: 100% of sampled addresses sit outside the FEMA Special Flood Hazard Area (Zone X/B/C). Checked address by address against FEMA’s National Flood Hazard Layer — not guessed from a map screenshot.
FEMA’s A-series zones are the mapped 1%-annual-chance floodplain: with a federally backed mortgage there, lenders typically require flood insurance. V-series zones add coastal wave action and the highest premiums. Zone X/B/C means outside the mapped high-risk area — insurance becomes optional and cheaper, but not pointless: lower mapped risk is not zero risk, and about a quarter of NFIP claims historically come from outside the SFHA. Premium context for the county is on our Florida home insurance by county page.
Our figures are an address-sampled community aggregate — honest about what they are, and no substitute for a parcel determination. Before you rely on a zone: look the address up at msc.fema.gov, ask the seller for an elevation certificate if one exists, and get a real flood quote during your inspection window rather than after.
The full Riverside community guide carries live listings, HOA and fee data, and market statistics for Duval County. Flood data for every community we have verified so far is rolling out as our statewide FEMA sampling completes.
No parcel-level promises and no reassurance the data doesn’t support: 12 sampled addresses is a sample, zones change at map revisions, and the FEMA lookup for your exact address is free. We publish the aggregate because most communities have no honest flood answer online at all.
Listing addresses from licensed MLS records geocoded and checked against the FEMA National Flood Hazard Layer (2026-08); shares computed over addresses returning a zone determination (n=12; communities published only at 8+ zoned addresses). Zone X/B/C grouped as outside the SFHA; A-series as SFHA; V-series as coastal high-hazard. General information, not advice; deemed reliable but not guaranteed. Equal Housing Opportunity.
