Nails have been suggested as suitable biomarkers of exposure to F, with the advantage of being easily obtained. The effect of water F concentration, age, gender, nail growth rate and geographical area on the F concentration in the fingernail and toenail clippings were evaluated. Volunteers (n = 300) aged 3–7, 14–20, 30–40 and 50–60 years from five Brazilian communities (A–E) participated. Drinking water and nail samples were collected and F concentration was analyzed with the electrode. A reference mark was made on each nail and growth rates were calculated. Data were analyzed by ANOVA and linear regression (α = 0.05). Mean water F concentrations (± SE, mg/l) were 0.09 ± 0.01, 0.15 ± 0.01, 0.66 ± 0.01, 0.72 ± 0.02, and 1.68 ± 0.08 for A–E, respectively. Mean F concentrations (± SE, mg/kg) ranged between 1.38 ± 0.14 (A, 50–60 years) and 10.20 ± 2.35 (D, 50–60 years) for fingernails, and between 0.92 ± 0.08 (A, 14–20 years) and 7.35 ± 0.80 (E, 50–60 years) for toenails. Among the tested factors, geographical area and water F concentration exerted the most influence on finger- and toenail F concentrations. Subjects of older age groups (30–40 and 50–60 years) from D and E showed higher nail F concentrations than the others. Females presented higher nail F concentration than males. Water F concentration, age, gender and geographical area influenced the F concentration of finger- and toenails, and hence should be taken into account when using this biomarker of exposure to predict risk for dental fluorosis.