Water Damage Restoration in Jacksonville, FL
Jacksonville by the numbers: 129 flood report days from 2016 to 2025, 4 freezing nights a year, 24 federal disaster declarations since 2016. Below: first steps, the records, Florida insurance rules and costs.
Updated October 31, 2026
First Steps for Water in a Home in Jacksonville
- Storm flooding: wait until the water stops rising and officials allow re-entry; wear boots and gloves (flooding steps).
- Stay clear of wet outlets and cords.
- Photograph the damage, then call your insurer.
How Often Jacksonville Floods
The 5 counties of the Jacksonville metro area logged flooding on 129 days from 2016 to 2025 (222 NOAA reports), September most often.
At the Jacksonville 4.2 ESE gauge, September is the wettest month with 7.8 inches on average.
Hurricanes, tropical storms or storm surge added 18 report days.
| Month | Flood report days | Normal precipitation (in) |
|---|---|---|
| January | 1 | 3.3 |
| February | 2 | 2.7 |
| March | 4 | 3.2 |
| April | 2 | 2.7 |
| May | 5 | 3.8 |
| June | 17 | 6.6 |
| July | 22 | 5.9 |
| August | 20 | 7 |
| September | 32 | 7.8 |
| October | 14 | 4.7 |
| November | 5 | 2.4 |
| December | 5 | 3 |
| County | Flood report days | Reports |
|---|---|---|
| Duval County | 83 | 119 |
| St. Johns County | 42 | 54 |
| Nassau County | 19 | 22 |
| Clay County | 15 | 18 |
| Baker County | 8 | 9 |
Freezing Nights in Jacksonville
Jacksonville averages 4 nights a year at or below 32°F (Jacksonville NAS station). NOAA counted 3 winter storm, ice or extreme cold days in the 5 counties of the Jacksonville metro area from 2016 to 2025.
Storms and Disasters in Jacksonville
The 5 counties of the Jacksonville metro area were named in 24 federal weather or fire declarations since 2016 (OpenFEMA).
Notable NOAA storm reports
- March 24, 2022: Flood (Duval County)The intersection of Mccoy Creek BLVD and Stockton ST was closed due to flooding from heavy rainfall and nearby Mccoys Creek overflowing its banks.
- February 6, 2020: Thunderstorm wind, 76 mph gust (Duval County)The weather station at Naval Air Station Jacksonville measured a sustained wind of 59 mph with a peak gust of 76 mph.
- April 10, 2018: Hail, 3 inch hail (St. Johns County)Hail 3 inches in diameter was reported 1.5 miles south of Pacetti Road and State Road 16.
- September 11, 2017: Tornado, EF2 (St. Johns County)Significant structural damage occurred at Summer House vacation rentals in Crescent Beach. There were definitive signs of circulation in the debris field. Tree damage extended inland to A1A.
- October 6, 2016: Tropical storm (St. Johns County)Tropical storm force gusts began in St Johns county Thursday night on 10/6. At Vilano Beach winds were reported at 39 mph with gusts to 46 mph at 11 pm. Hurricane force gusts were reported near the coast on 10/7.
Federal disaster declarations
- October 9, 2026: Hurricane IsaiasTropical Storm, FEMA EM-3655
- April 22, 2026: Railroad Complex FireFire, FEMA FM-5631
- October 11, 2024: Hurricane MiltonHurricane, FEMA DR-4834
- October 7, 2024: Hurricane MiltonHurricane, FEMA EM-3622
- September 28, 2024: Hurricane HeleneHurricane, FEMA DR-4828
- August 10, 2024: Hurricane DebbyTropical Storm, FEMA DR-4806
- August 3, 2024: Tropical Storm DebbyTropical Storm, FEMA EM-3605
- June 17, 2024: Severe Storms, Straight-Line Winds, And TornadoesSevere Storm, FEMA DR-4794
Jacksonville Housing at a Glance
Census figures for the city of Jacksonville (American Community Survey, 2020 to 2024): 430,825 housing units, a median build year of 1987, 40% built before 1980, 28% before 1970, 58% owner occupied.
Florida Insurance Rules for Water Claims
Florida insurers must review and acknowledge a claim communication within 7 calendar days and pay or deny a property claim within 60 days after notice (Fla. Stat. 627.70131).
Claim problems in Florida go to the Florida Department of Financial Services, Division of Consumer Services.
Flood damage needs a separate flood policy, which typically starts 30 days after purchase (FloodSmart). Look up Jacksonville flood zones on FEMA's flood maps.
Restoration Cost Guide for Jacksonville
| Typical range (national) | Cost |
|---|---|
| Most jobs | $1,305 to $5,707 |
| Sewage, per sq ft | $7 to $7.50 |
| Average insurer payout, water or freeze claim | $15,400 |
Sources: Bob Vila, May 2023; III, 2019 to 2023.
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Questions
When is the first freeze in Jacksonville?
The median first night at or below 32°F is January 5 and the median last is February 1 at the Jacksonville NAS station (NOAA normals, 1991 to 2020).
Does Florida license mold assessment or remediation?
Florida law bars anyone from performing or offering mold assessment without meeting the state's mold assessor licensing law (Fla. Stat. 468.8419).
How fast does mold start?
Dry wet materials within 24 to 48 hours (EPA).
Sources: NOAA Storm Events, NOAA normals, OpenFEMA, Census ACS, Fla. Stat. 627.70131, Fla. Stat. 468.8419, EPA mold guide.