Fernandina Beach / Amelia Island

Which county is Fernandina Beach in?

Fernandina Beach is in Nassau County, Florida (ZIP codes 32034, 32035). Property taxes, flood maps and permits run through Nassau County.

What kind of homes are in Fernandina Beach?

Downtown and Old Town: Victorian, Queen Anne, and Colonial Revival wood-frame houses (1850s-1927) under city Historic District Council design review; mid-century block homes and 1960s-80s beach cottages between downtown and the ocean; oceanfront and near-ocean condominiums built mainly 1970s-2000s (Summer Beach/Ocean Village, Amelia Island Plantation villas); 2000s-2020s single-family subdivisions on the island (Amelia Park) and on the mainland west of the bridge (Amelia Walk, Amelia Concourse, Amelia National CDDs). Lots on the island are typically small; mainland CDD communities are larger.

Is Fernandina Beach in a flood zone?

The city's effective FIRM date is August 2, 2017. Oceanfront parcels carry VE and Coastal AE zones; the Amelia River/marsh side of downtown, Old Town, and Egans Creek corridors are AE; the central dune ridge along Atlantic Ave/Citrona and much of the island interior is X. Nassau County distinguishes Coastal AE (wave heights 1.5-3 ft, special construction standards) from VE. The city's Forerunner site (fernandinabeachfl.withforerunner.com) gives per-parcel zone, BFE, and Design Flood Elevation; the city applies a freeboard above BFE. Sources: https://www.fbfl.us/226/Flood-Map ; https://www.nassaucountyfl.com/1455/Know-Your-Flood-Hazard ; https://nassau-county-flood-map-service-nassauflgis.hub.arcgis.com/pages/myfloodrisk

What drives home insurance costs in Fernandina Beach?

Entire island is in the wind-borne debris region with full coastal wind exposure; Citizens is a common carrier for oceanfront and older wood-frame homes. Citizens roof rules (inspection over 15 yrs, ~25-yr shingle cap) apply. Historic wood-frame houses commonly require 4-point/wind-mitigation documentation and often show older wiring, plumbing, and non-clipped roof framing. Oceanfront condos 3+ habitable stories and 30+ years old (25 if locally adopted) are subject to milestone inspections and SIRS; many 1970s-80s Amelia Island Plantation and Summer Beach buildings fall in this window. Sources: https://shieldlineroofing.com/citizens-insurance-roof-requirements-florida/ ; https://www.falkehoa.com/florida-milestone-inspections-sirs-2025-2026/

Does Fernandina Beach have CDD or HOA fees?

Are short-term rentals allowed in Fernandina Beach?

City of Fernandina Beach: 'resort rentals' (under 30 days) are allowed only in R-3 zoning or in R-1/R-2 parcels grandfathered before Oct. 3, 2000; a Resort Rental Dwelling Permit ($300 new/$200 renewal), state DBPR license, and permit number in all ads are required, and all other zones require 30-day minimums (https://www.fbfl.us/792/Resort-Rentals). Unincorporated Amelia Island (Nassau County) follows county rules plus the Nassau Tourist Development Tax; verify parcel jurisdiction, as the rules differ by address.

How do you get around from Fernandina Beach?

SR 200/A1A over the Thomas J. Shave Jr. Bridge is the only road on or off the island and the evacuation route to I-95 at Yulee (about 10 miles west); A1A/S. Fletcher Ave and 8th St/14th St are the island's north-south arterials. NassauTRANSIT operates flex routes (six enter Fernandina Beach) and the $1 Island Hopper loop Thursday-Monday. Sources: https://nassautransit.org/island-hopper/ ; https://nassautransit.org/

What should you check before making an offer in Fernandina Beach?

Nearby areas

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