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Daytona Beach Flood Zones & Insurance Cost (2026)

Q: Is Daytona Beach in a flood zone?

Parts of it. The beachside peninsula (ZIP 32118) between the Atlantic and the Halifax River is largely FEMA Zone AE, with Zone VE on the oceanfront. Much of the mainland (ZIPs 32114, 32117, 32119) and the western communities such as LPGA International sit in low-risk Zone X, with Zone AE along the Halifax River and the drainage corridors. Important caveat: Hurricane Ian in 2022 caused severe rainfall flooding on the mainland, so a Zone X designation is not the same thing as no flood risk. Always verify the exact FEMA zone for a specific address.

Q: How much is flood insurance in Daytona Beach in 2026?

Representative 2026 ranges: mainland Zone X roughly $400-$1,000 a year and usually optional; Zone AE near the Halifax River or drainage corridors about $2,000-$6,000; beachside Zone AE roughly $2,000-$7,000; and oceanfront Zone VE $5,000-$12,000 or more. Daytona Beach became a FEMA Community Rating System Class 5 community effective October 2024, so NFIP premiums inside city limits carry an automatic 25% discount in high-risk zones. Only an address-specific quote is exact.

Q: Does Daytona Beach have a flood insurance discount?

Yes, and it improved recently. Daytona Beach is a FEMA Community Rating System (CRS) Class 5 community effective October 1, 2024, which earns an automatic 25% discount on NFIP flood insurance in high-risk Special Flood Hazard Areas and about 10% in low-risk Zone X. The city held a Class 6 rating (20%) from 2008 until that upgrade, and the city's own flood-insurance page still describes the older Class 6 rating. FEMA's CRS eligible-communities list, effective April 1, 2026, is the authoritative source and shows Class 5 at 25%.

Q: Did Hurricane Ian flood Daytona Beach?

Severely, and it was rainfall rather than storm surge that did it. Hurricane Ian dropped more than 13 inches of rain at Daytona Beach International Airport, and roughly two feet of rain fell across parts of Volusia County in two days - about half a normal year's total. On September 29, 2022 flooding exceeded three feet at Nova Road and Orange Avenue in Midtown Daytona Beach, well inland from the ocean. Volusia County's total Ian damage surpassed a quarter of a billion dollars, with about $50 million in the City of Daytona Beach.

Q: Is Midtown Daytona Beach flooding going to be fixed?

Not soon, based on the latest study. In May 2026 the U.S. Army Corps of Engineers concluded that fixing Midtown Daytona Beach's chronic flooding is not affordable - that is, the engineering solutions studied could not be justified at a reasonable cost. For buyers, that means the drainage picture in the affected parts of Midtown should be treated as a long-term condition rather than a problem with a scheduled fix, and it is worth reviewing a specific property's history of water intrusion regardless of its FEMA flood zone.

Updated July 2026 · by Robert Kirkland, coastal Volusia REALTOR®

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.

Daytona Beach quietly became a 25% CRS city — and the city's own page hasn't caught up:

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%.

      The short version
      Mainland Daytona (32114/32117/32119) — mostly Zone X: roughly $400–$1,000/yr, usually optional.
Beachside peninsula (32118) — Zone AE: roughly $2,000–$7,000/yr.
Oceanfront — Zone VE: roughly $5,000–$12,000+/yr.
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 — a narrow strip of AE and VE where the flood maps do most of the talking. West of it is a large mainland city that is mostly Zone X on paper, with AE along the river and the drainage corridors. These are representative 2026 ranges for single-family homes, already reflecting the city's 25% CRS discount on NFIP policies in high-risk zones.

Representative 2026 annual flood premium by Daytona Beach area
Area / neighborhood	Typical FEMA zone	Representative range
LPGA International, Indigo, west of I-95	Almost all X	$400 – $1,000
Mainland Daytona (32114 / 32117 / 32119) away from the river	Mostly X	$400 – $1,200
Midtown & the Nova Road corridor	Largely X, with AE along drainage	$400 – $2,500
Halifax riverfront (Beach St / Riverside corridor)	AE	$2,000 – $6,000
Beachside peninsula (32118), west of A1A	Mostly AE	$2,000 – $7,000
Oceanfront A1A / Seabreeze high-rises	AE / VE	$5,000 – $12,000+

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, a few hundred dollars 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 is the conventional part. The peninsula behaves like every other Volusia barrier island: AE across most of it, VE on the oceanfront, real money every year, and condo owners partly covered by the association's master flood policy — which means an individual unit's out-of-pocket cost is often well below the single-family range above. See the Daytona Beach Shores guide for how the condo master-policy math actually works.

How these numbers are estimated. Ranges reconcile current (2026) Florida NFIP data and FEMA Risk Rating 2.0 pricing with Daytona Beach's specific FEMA flood maps and its CRS Class 5 discount, filtered through the Kirkland Coastal Assessment Protocol (KCAP). They are representative planning figures, not quotes. A specific property's premium depends on its exact zone, elevation relative to Base Flood Elevation, lowest-floor height, construction, prior claims, and NFIP vs. private choice. 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. The beachside peninsula (32118) is largely Zone AE with VE on the oceanfront. Much of the mainland (32114/32117/32119) and the western communities like LPGA International are low-risk Zone X, 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?

Mainland Zone X roughly $400–$1,000/yr and usually optional; AE near the river or drainage about $2,000–$6,000; beachside AE roughly $2,000–$7,000; oceanfront VE $5,000–$12,000+. The city's 25% CRS discount already lowers NFIP premiums in the high-risk zones. 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

Disclaimer: All figures are representative 2026 planning estimates for Daytona Beach, Florida based on FEMA flood maps, NFIP Risk Rating 2.0, and the Community Rating System class in effect as of FEMA's April 1, 2026 eligible-communities list — 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 Simply Real Estate, 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. Simply Real Estate is an Equal Housing Opportunity broker.