Daytona Beach Flood Zones & Insurance Cost (2026)
Everyone shopping Daytona Beach worries about the ocean. The ocean isn't what flooded Daytona. When Hurricane Ian sat on Volusia County in September 2022, it dropped more than 13 inches of rain and put over three feet of water at Nova Road and Orange Avenue — inland, on the mainland, nowhere near the surf. That's the thing to understand before you buy here: the beachside is expensive to insure and the flood maps say so, but the mainland's risk is rainfall, and the maps say a lot less about that.
Effective October 1, 2024, Daytona Beach improved to FEMA Community Rating System Class 5 — an automatic 25% discount on NFIP flood insurance in high-risk zones and about 10% in Zone X. It had been Class 6 (20%) since 2008, and the City's own flood-insurance page still describes that older Class 6 rating. If you've been told 20%, check again: FEMA's current eligible-communities list (effective April 1, 2026) shows Daytona Beach at Class 5 / 25%.
- Mainland Daytona (32114/32117/32119) — mostly Zone X: typically $476–$831/yr depending on ZIP, usually optional. AE homes there pay about the same.
- Beachside peninsula (32118) — measured ~94% Zone X: typically $1,084/yr; 1 in 10 pay more than $1,390.
- Oceanfront (Zone VE) — too few NFIP policies in FEMA's data to give a typical number. Get a quote on the exact address.
- 25% CRS discount since October 2024 — up from 20%.
- Zone X ≠ no risk here. Ian's flooding was rainfall-driven and hit inland.
Flood insurance cost by Daytona Beach area (2026)
Daytona splits at the Halifax River. East of it is the beachside peninsula — which, surprisingly, is almost all Zone X on the current maps: measured, 93.6% of the city's 32118 beachside land, with small AE pockets and a thin oceanfront VE strip. West of it is a large mainland city that is mostly Zone X on paper too — roughly half the city's total land, with about a third in Zone A out in the undeveloped western wetlands, and AE along the river and drainage corridors. The figures below are what owners actually paid, from FEMA's NFIP policy data for single-family primary homes inside city limits, policy years starting September 2025 through August 2026. "Typical" is the median total cost (premium plus federal fees), with the city's 25% CRS discount already built in; "high end" is the amount 1 in 10 owners paid more than. Note that AE homes here don't pay more than X homes on average: under Risk Rating 2.0, the price follows each building's elevation and distance to water, not the zone letter.
| Area / neighborhood | FEMA zone | Typical (median) | High end (1 in 10 pay more than) |
|---|---|---|---|
| LPGA International & west of I-95 (32124) | X | $1,038 | $1,326 |
| LPGA International & west of I-95 (32124) | AE / A | $850 | $1,201 |
| Midtown, Nova Road corridor & downtown (32114) | X | $701 | $849 |
| Midtown, Nova Road corridor & downtown (32114) | AE / A / AH | $780 | $1,305 |
| North mainland (32117) | X | $831 | $1,061 |
| North mainland (32117) | AE / A | $858 | $1,184 |
| South mainland (32119) | X / AE | $476 | $544 |
| Beachside peninsula (32118) | X | $1,084 | $1,390 |
| Beachside peninsula (32118), AE pockets | AE | Only 12 policies (median $1,430), too few for a reliable range. | |
| Oceanfront A1A (VE seaward strip) | VE | Too few policies (2) for a reliable figure. Get an address quote. | |
| Condo unit owner's own policy (building has a master policy) | Any | $506 | $874 |
Why Daytona Beach flood risk is different
Ian was a rain event, not a surge event. Volusia County sat in the most destructive right-front quadrant of a slow-moving storm. More than 13 inches of rain fell at Daytona Beach International Airport, and parts of the county took nearly two feet in two days — roughly half a normal year's rainfall. The result was widespread freshwater flooding: on September 29, 2022, water at Nova Road and Orange Avenue in Midtown exceeded three feet. Countywide, Ian's damage passed a quarter of a billion dollars, about $50 million of it in the City of Daytona Beach. None of that was the Atlantic Ocean.
Which means the FEMA zone is a floor, not a ceiling. Flood maps are built primarily around mapped floodplains and coastal surge. They are much weaker at describing what happens when a stalled storm drops 13+ inches on flat terrain with limited drainage. A mainland Daytona home can be legitimately Zone X — no lender requirement, typically under $1,000 a year if you want a policy — and still have taken water in 2022. That's not a contradiction; it's the limitation of the map. The practical move on the mainland is to price the optional policy anyway and to ask directly about 2022.
Midtown's drainage doesn't have a scheduled fix. In May 2026, the U.S. Army Corps of Engineers concluded that fixing Midtown Daytona Beach's chronic flooding isn't affordable — the solutions studied couldn't be justified at reasonable cost. If you're buying in the affected parts of Midtown, treat the drainage as a long-term condition of the property rather than something a future project will resolve, and review the specific home's water history no matter what its flood zone says.
The beachside costs a bit more, despite the map. The peninsula is about 94% Zone X on the current maps, yet beachside X homes paid a median of $1,084 in FEMA's data, versus $476–$831 for X homes on the mainland. Risk Rating 2.0 prices the ocean and the river on both sides, not just the zone. Condo owners are partly covered by the association's master flood policy, so a unit owner's own policy is often well below the single-family numbers (median $506). See the Daytona Beach Shores guide for how the condo master-policy math actually works.
Where the cost figures come from. FEMA's OpenFEMA NFIP policy data (NFIP Redacted Policies v3) for the City of Daytona Beach (NFIP community 125099): 2,549 policies on single-family primary homes and 222 condo unit-owner policies, with policy years starting September 1, 2025 through August 31, 2026. Cost is the total the owner paid, premium plus federal fees and surcharges, so the CRS discount is already included. Second homes pay more, partly because of a $250 federal surcharge versus $25 on a primary home. Private flood policies aren't in FEMA's data, and some long-held policies are still phasing up to their full-risk rate (by law, by no more than 18% a year), so a brand-new policy can cost more than the seller's. Ask whether the seller's policy can be assigned to you. These are what owners paid, not quotes. A specific home's premium depends on its elevation, distance to water, foundation, rebuild cost and claims history. See the full Volusia County flood insurance breakdown for the county-wide picture and the complete CRS discount table.
Get the exact flood number for a Daytona Beach address — free
Buying on the mainland and wondering whether it took water in Ian? Or pricing a beachside condo? I'll pull the property's exact FEMA flood zone, elevation, and an insurance estimate (25% CRS discount included) with the free Kirkland Coastal Assessment Protocol (KCAP) report.
Get my free KCAP flood report →Daytona Beach flood insurance FAQ
Is Daytona Beach in a flood zone?
Parts of it. Less than the skyline suggests: measured on the current FIRMs, the beachside peninsula (32118) is about 94% low-risk Zone X, with AE pockets and a thin VE strip at the ocean. Much of the mainland (32114/32117/32119) and the western communities like LPGA International are Zone X too, with AE along the Halifax River and drainage corridors. But note: Ian's 2022 flooding was rainfall-driven and hit inland, so Zone X here is not the same as no flood risk.
How much is flood insurance in Daytona Beach in 2026?
Less than most buyers expect. In FEMA's NFIP policy data for single-family primary homes (policy years starting September 2025 through August 2026), the typical (median) total cost was $830/yr in Zone X and $715/yr in the A/AE zones, and 1 in 10 owners paid more than $1,260. Mainland medians ran from $476 (32119) to $1,038 (LPGA area, 32124); beachside X homes (32118) had a median of $1,084. Oceanfront VE homes are too few in the data for a reliable number. The city's 25% CRS discount is already built in. Only an address-specific quote is exact.
Does Daytona Beach have a flood insurance discount?
Yes — and it went up recently. Daytona Beach became FEMA CRS Class 5 effective October 1, 2024: an automatic 25% off NFIP premiums in high-risk zones, about 10% in Zone X. It was Class 6 (20%) from 2008 until then, and the city's own flood page still describes the older rating. See the full Volusia CRS table.
Did Hurricane Ian flood Daytona Beach?
Badly — and it was rain, not surge. Ian dropped 13+ inches at Daytona Beach International Airport, with nearly two feet across parts of Volusia in two days. On September 29, 2022 flooding topped three feet at Nova Road and Orange Avenue in Midtown, well inland. Volusia's total Ian damage passed a quarter of a billion dollars, roughly $50 million of it in the City of Daytona Beach.
Is Midtown Daytona Beach flooding going to be fixed?
Not on any near-term schedule. In May 2026 the U.S. Army Corps of Engineers concluded there's no affordable fix for Midtown's chronic flooding — the options studied couldn't be justified at reasonable cost. Treat it as a standing condition, and check any specific property's water history regardless of its FEMA zone.
Other Volusia city flood guides
Volusia County cost guide & CRS table · Ormond Beach · Daytona Beach Shores · Port Orange · New Smyrna Beach · Ponce Inlet · Edgewater
Sources & methodology
- FEMA OpenFEMA — NFIP Redacted Policies v3 (City of Daytona Beach, community 125099; policy years starting 9/2025–8/2026): the source of every cost figure on this page
- FEMA — CRS Eligible Communities, effective April 1, 2026 (Daytona Beach: Class 5, 25%, current since Oct 2024)
- City of Daytona Beach — Insure your property (describes the earlier Class 6 / 20% rating)
- Spectrum News 13 — Daytona Beach moving to CRS Class 5 / 25% discount
- Spectrum News 13 (May 2026) — Army Corps: no affordable fix for Daytona Beach Midtown flooding
- News 6 — Volusia County Hurricane Ian damage estimates (over a quarter billion)
- FEMA — NFIP Risk Rating 2.0 pricing
- FEMA Flood Map Service Center — look up any Daytona Beach address's zone
Disclaimer: Cost figures summarize what NFIP policyholders in Daytona Beach, Florida actually paid, from FEMA's OpenFEMA policy data (policy years starting September 2025 through August 2026); the CRS class is as of FEMA's April 1, 2026 eligible-communities list. They are not insurance quotes or a guarantee of cost. CRS classes change; verify the current class and your property's flood zone before relying on either. Robert Kirkland is a licensed Florida real estate sales associate with REMAX Signature, not a licensed insurance agent; confirm actual premiums with a licensed insurance professional and the property's exact flood zone with FEMA and the City of Daytona Beach. REMAX Signature is an Equal Housing Opportunity broker.