Risk Index · Duval County · 2026-06-13
Jacksonville, FL real-estate risk
- Risk score
- 97.2/100
- Relatively High
- Expected annual loss
- $264M
- all hazards, county-wide
- Buildings-only loss
- $215M
- what owners and insurers carry
- Population
- 995K
- Duval County
Jacksonville, FL (Duval County) carries a FEMA National Risk Index score of 97.2/100, rated "Relatively High" and driven mainly by hurricane and riverine flood, with roughly $264M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Hurricane97.7
- Riverine flood97.6
- Heat wave96.8
- Hail96.2
- Tornado91.5
- Coastal flood91
- Earthquake90.2
- Wildfire89.9
- Strong wind81.8
- Drought21.3
Each score is the county's percentile against every US county for that hazard (0-100).
What it means for insurance
Coastal flood and hurricane exposure make property insurance the swing cost in this market. Premiums and deductibles here can move a deal's NOI by double digits. Treat the insurance binder as a Day-1 diligence item.
Jacksonville risk questions
Is Jacksonville, FL a high-risk area for real estate?
Jacksonville scores 97.2/100 on FEMA's National Risk Index, rated "Relatively High" versus all US counties. Its expected natural-hazard loss is about $264M per year.
What is the biggest natural hazard in Jacksonville?
The highest-rated hazard is hurricane (97.7/100), followed by riverine flood (97.6/100).
How does hazard risk affect property insurance in Jacksonville?
Coastal flood and hurricane exposure make property insurance the swing cost in this market. Premiums and deductibles here can move a deal's NOI by double digits. Treat the insurance binder as a Day-1 diligence item.
Source: FEMA National Risk Index (Counties), v1.20 (2026-06-13). Scores are national percentiles (0-100). Insurance commentary is PropHunt's interpretation of the hazard data, not an insurance quote.