St. Johns County flood zones, area by area, from live listings.

The county is a coastal strip and a creek-crossed interior, and the flood map follows the water: Davis Shores and downtown St. Augustine read mostly high-risk, the inland master plans almost entirely Zone X. I’m Krista Fracke, and rather than say which side of that line a neighborhood is on, I can show you the FEMA zone and the county evacuation zone of every home currently for sale in the county, area by area, from the same hazard data this site stamps on each listing.

By Krista Fracke — Broker Associate, Christie's International Real Estate First Coast · 20+ years in Northeast Florida · 500+ closings · client reviews

The live table: current county inventory by FEMA zone

Of the 3,506 homes on the market right now in St. Johns County, 85% map to minimal-hazard Zone X:

FEMA zone	Homes for sale	Share	What it means
X	2,992	85%	Minimal hazard, outside the mapped high-risk floodplain. Lenders do not require flood insurance.
AE	382	11%	High-risk floodplain with base flood elevations mapped. Flood insurance required on a mortgage.
A	83	2%	High-risk floodplain without detailed elevations mapped. Flood insurance required on a mortgage.
VE	48	1%	Coastal high-hazard with wave action. Not a designation on this side of the county in practice.
AH	1	0%	Ask me about this designation on a specific home.

Live from current MLS inventory, refreshed daily. Zones are FEMA’s mapping for each home’s coordinates; an elevation certificate can refine an individual property’s status.

Area by area: the map nobody publishes

The same current listings, grouped by MLS area (twenty or more homes for sale), sorted by inventory. “High-risk” is FEMA zones A, AE, AO and VE, where a lender requires flood insurance. Read the Zone X share: the coast and the river sit at the bottom, the master plans at the top.

MLS area	For sale	Zone X	High-risk
Julington Creek/Switzerland	444	429 (97%)	15
210 South	301	298 (99%)	3
Nocatee South	286	283 (99%)	3
Old Moultrie Rd/Wildwood	228	224 (98%)	4
World Golf Village Area · Central	186	167 (90%)	19
St Augustine Beach	184	132 (72%)	52
Ravenswood/West Augustine	182	173 (95%)	9
Orangedale Area	170	168 (99%)	2
World Golf Village Area · West	147	112 (76%)	35
Ponte Vedra Beach · W Of A1A · S Of Solana Rd	147	92 (63%)	55
Ponte Vedra Bch · S Of Corona · E Of A1E/Lake Pv	105	77 (73%)	28
Whitecastle/Airport Area	93	63 (68%)	30
Palencia Area	91	84 (92%)	7
Davis Shores	89	18 (20%)	71
World Golf Village Area · SW	79	79 (100%)	0
Moultrie/St Augustine Shores	77	75 (97%)	2
Flagler Estates/Hastings	73	72 (99%)	1
Ponte Vedra Beach · W Of A1A · N Of Solana Rd	72	54 (75%)	18
Downtown St Augustine	70	10 (14%)	60
World Golf Village Area · SE	63	58 (92%)	5
Molasses Junction/Elkton	55	48 (87%)	7
Vilano Beach	55	26 (47%)	29
Ponte Vedra Beach · W Of A1A · S Of CR · 210	51	50 (98%)	1
South Ponte Vedra Beach	38	19 (50%)	19

The second table: evacuation zones

St. Johns County orders surge evacuations by lettered zone, A first. This is the evacuation-zone mix of the same current listings, with 46% outside the surge zones altogether:

Evacuation zone	Homes for sale	What it means
Zone A	1,117	First zone called in a surge evacuation: the lowest ground nearest tidal water.
Zone B	140	Second zone called.
Zone C	235	Third zone called.
Zone D	117	Called only for the strongest surge scenarios.
Zone E	81	Rarely called.
Zone F	226	Rarely called.
Outside surge zones	1,605	Outside the county’s surge evacuation zones. Evacuation would be for a different reason (mobile home, medical need, county-wide order).

Why the ground reads the way it does

St. Johns County is forty miles of coast with a creek-crossed interior behind it. FEMA maps the high-risk band where tidal water reaches: the oceanfront and the dune line, the Intracoastal and the Matanzas and Tolomato rivers, Davis Shores and the downtown peninsula, Vilano, the San Sebastian, and the St. Johns River frontage along State Road 13. Inland, the band narrows to the creeks that drain to those rivers (Julington, Durbin, Trout, Sixmile, Moultrie), and everything built as a master plan since the 1990s, Nocatee, the CR-210 corridor, World Golf Village, Palencia’s interior, was engineered around stormwater ponds and reads Zone X. The table above is that geography in today’s numbers, area by area.

Hurricane exposure is different from flood exposure. This coast has recorded one direct hurricane landfall since 1851, and storms at this latitude tend to run parallel to the shore. The county’s coastal areas carry the earliest evacuation letters and the surge exposure; the inland master plans sit in the later alphabet or outside the surge zones, and their storm story is wind, rain, trees and power. The evacuation table above is the live mix. The full seventy-year record lives on the regional hurricane-history page.

The part nobody tells you

Florida does not require a seller to disclose that a home has flooded, and Zone X is a map designation, not an inspection. The county has two different flood conversations and buyers mix them up. On the coast and the river the questions are elevation certificate, surge letter, bulkhead and the insurer’s view of the street, and a high-risk zone is often a fine purchase with an honest quote in the monthly math. Inland, Zone X is nearly universal and the homes that take water are interior lots that grade toward the house, pond outfalls that silted up, and cul-de-sacs at the bottom of a subdivision’s drainage. Different maps, different diligence. I walk the lot in the rain when I can, I read the survey, and I ask the neighbors.

St. Johns County homes in minimal-hazard Zone X, on the market now

For Sale

604 Sassafras Trace

St. Johns, FL 32259

4 bd · 3.5 ba · 3,294 sq ft

$899,900Est. $4,790/mo

Listing Office: re/max specialists

Photos coming soon

For Sale

1205 Loch Tanna Loop

St. Johns, FL 32259

4 bd · 3 ba · 2,674 sq ft

$698,000Est. $3,715/mo

Listing Office: watson realty corp

Photos coming soon

For Sale

723 Mandarin Terrace

St. Augustine, FL 32092

4 bd · 2 ba · 1,897 sq ft

$395,000Est. $2,102/mo

Listing Office: herron real estate llc

Every county listing mapped to Zone X, live →

This is the work I do every week. Shortlisting anywhere in the county? Send me the addresses. I will pull each home’s flood zone, evacuation zone, elevation and roof age, and get a real insurance quote into the monthly math before you write anything.

Work with Krista (904) 333-8595 Text

Broker Associate · Christie's International Real Estate First Coast · 20+ years · 500+ closings

Common questions

Which parts of St. Johns County are in a flood zone?

The ones that touch tidal water. On the live table, downtown St. Augustine and Davis Shores map mostly to high-risk zones, St. Augustine Beach, Vilano and the Ponte Vedra Beach streets east of A1A carry a large share, and the inland master plans (Nocatee, the CR-210 corridor, Julington Creek and Switzerland, World Golf Village) read almost entirely Zone X. The county is a coastal strip and a creek-crossed interior, and the map follows the water.

Does Nocatee flood? Does Ponte Vedra Beach?

Nocatee reads almost entirely Zone X on current listings; its own page shows the live mix. Ponte Vedra Beach splits at A1A: the oceanfront and the lagoon streets carry high-risk zones and the earliest evacuation letters, the golf-corridor communities west of A1A mostly read X. Each of those hubs has its own flood page on this site, linked below.

Do I need flood insurance in St. Johns County?

A lender requires it only in the high-risk zones (A, AE, AO, VE), which here means the coast, the Intracoastal and river frontage and the creek corridors. In Zone X it is optional, and I still raise it: Zone X premiums are typically the lowest a homeowner can buy and a large share of national flood claims come from outside the mapped high-risk areas. Knowing the zone before you offer is the part that is not optional.

What are the St. Johns County evacuation zones?

The county orders surge evacuations by lettered zone, A first, from the ocean and Intracoastal frontage inward. The evacuation table on this page is the live mix of current listings; most inland homes sit outside the surge zones entirely, and every listing on this site shows its own letter next to its FEMA zone.

How accurate is the flood zone on each listing?

Each listing’s zone is computed from FEMA’s national flood-hazard layer against the home’s coordinates, the same source lenders and insurers start from. A survey elevation certificate can refine an individual property’s status, and a letter of map amendment can remove a home from a high-risk zone. On any waterfront or creek-side home I pull the certificate before anything else.

Ponte Vedra Beach flood zones →

The coast: where A1A splits the map.

St. Augustine flood zones by neighborhood →

Davis Shores, downtown, the beach and Vilano, live.

Does Nocatee flood? →

The inland master plan, almost entirely Zone X.

Does the CR-210 corridor flood? →

Shearwater, SilverLeaf, Beachwalk and Beacon Lake, community by community.

Does Julington Creek flood? →

The creek and the river side of the county.

Homes outside high-risk flood zones →

Every St. Johns County listing currently mapped to Zone X, live.

St. Johns County CDD fees, the map →

The other county-wide question, with a live table.

70 years of storms in Northeast Florida →

Every named storm since 1956 and what it did here.

Want the flood picture on a specific St. Johns County home?

Tell me the address. I’ll pull its FEMA zone, its evacuation zone, the lot’s elevation story and how insurers are treating that street, before you fall in love with it. On a creek or river lot, the dock and bulkhead too.

Ask Krista

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