Home › States › Florida

Florida natural disaster risk

Ratings for all 67 counties, the federal disaster record and flood insurance across the state.

84major disasters since 1953 (4th most)

$8.8Bexpected losses a year

14%of homes with flood insurance

Photo: Wilfredor, CC0

Florida has had 84 major federal disaster declarations for natural events since 1953. FEMA expects about $8.8 billion a year in losses from natural hazards across the state. Hurricane is the costliest hazard in 47 of its 67 counties, followed by inland flooding in 19. 1 is rated Very High overall. About 14% of homes carry federal flood insurance, and the program has paid $19.3 billion on 447,174 claims here since 1978.

Very High1counties

High20counties

Moderate18counties

Low20counties

Highest overall risk

1Miami-Dade CountyVery High

2Broward CountyHigh

3Palm Beach CountyHigh

4Lee CountyHigh

5Collier CountyHigh

Lowest risk (50,000+ people)

1Nassau CountyLow

2Columbia CountyLow

3Putnam CountyLow

4Clay CountyModerate

5Flagler CountyModerate

Top hazards

Hurricanetop risk in 47 counties

Inland floodingtop risk in 19 counties

Strong windtop risk in 1 counties

Recent federal declarations

All states ›

Oct 27, 2026Hurricane IsaiasMajor disaster

Oct 9, 2026Hurricane IsaiasEmergency

Largest counties

Miami-Dade County

2,698,679 people

Very High Inland flooding

Broward County

1,940,829 people

High Inland flooding

Palm Beach County

1,489,461 people

High Hurricane

Hillsborough County

1,458,282 people

High Hurricane

Orange County

1,428,790 people

High Inland flooding

Duval County

994,675 people

High Inland flooding

Pinellas County

958,822 people

High Hurricane

Lee County

759,922 people

High Hurricane

Polk County

721,918 people

High Hurricane

Brevard County

606,067 people

High Hurricane

Pasco County

561,566 people

High Hurricane

Volusia County

551,829 people

High Hurricane

Cities in Florida

All 173 cities ›

Jacksonville977,670 Miami459,745 Tampa401,618 Orlando319,758 St. Petersburg262,732 Port St. Lucie232,491 Hialeah226,165 Cape Coral215,536 Tallahassee201,875 Fort Lauderdale185,604 Pembroke Pines173,194 Hollywood155,082 Gainesville145,702 Miramar138,600 Coral Springs136,103

All 67 counties

Name	People	Overall risk	Top hazard	Declarations	Homes insured
Alachua County	277,984	Moderate	Inland flooding	33	2.5%
Baker County	27,852	Very Low	Inland flooding	38	1.5%
Bay County	174,869	Moderate	Hurricane	49	17.9%
Bradford County	28,233	Very Low	Hurricane	32	4%
Brevard County	606,067	High	Hurricane	43	11.8%
Broward County	1,940,829	High	Inland flooding	40	19.2%
Calhoun County	13,597	Low	Hurricane	43	1.2%
Charlotte County	186,734	High	Hurricane	40	32%
Citrus County	153,476	High	Hurricane	39	7%
Clay County	218,078	Moderate	Inland flooding	37	5.1%
Collier County	375,443	High	Hurricane	52	29.5%
Columbia County	69,648	Low	Inland flooding	35	2.3%
DeSoto County	33,898	Moderate	Hurricane	36	3.2%
Dixie County	16,706	Very Low	Hurricane	43	5.8%
Duval County	994,675	High	Inland flooding	39	6.3%
Escambia County	321,367	High	Hurricane	40	8.3%
Flagler County	115,270	Moderate	Hurricane	36	15.2%
Franklin County	12,426	Low	Hurricane	46	25.1%
Gadsden County	43,693	Low	Hurricane	39	0.4%
Gilchrist County	17,826	Very Low	Inland flooding	36	2.3%
Glades County	12,052	Low	Inland flooding	35	2.6%
Gulf County	14,176	Low	Hurricane	47	19.4%
Hamilton County	13,941	Low	Hurricane	36	1%
Hardee County	25,302	Low	Strong wind	34	1.3%
Hendry County	39,371	Low	Hurricane	36	4.4%
Hernando County	194,448	Moderate	Hurricane	38	4.8%
Highlands County	101,136	Moderate	Hurricane	35	1.9%
Hillsborough County	1,458,282	High	Hurricane	45	12.1%
Holmes County	19,618	Low	Hurricane	39	1.1%
Indian River County	159,719	High	Hurricane	33	17.8%
Jackson County	47,249	Low	Hurricane	34	0.6%
Jefferson County	14,359	Very Low	Hurricane	39	1.2%
Lafayette County	8,205	Very Low	Hurricane	34	4%
Lake County	383,042	Moderate	Inland flooding	35	2.5%
Lee County	759,922	High	Hurricane	43	24.2%
Leon County	292,157	Moderate	Inland flooding	35	2.7%
Levy County	42,750	Low	Hurricane	43	4.3%
Liberty County	6,344	Very Low	Hurricane	41	0.4%
Madison County	17,964	Low	Hurricane	32	1.1%
Manatee County	399,485	High	Hurricane	48	17.3%
Marion County	375,566	High	Hurricane	36	2%
Martin County	158,246	Moderate	Hurricane	39	14.1%
Miami-Dade County	2,698,679	Very High	Inland flooding	39	33.4%
Monroe County	82,390	Moderate	Hurricane	44	58.2%
Nassau County	90,123	Low	Inland flooding	38	16.1%
Okaloosa County	211,293	Moderate	Hurricane	41	10.2%
Okeechobee County	39,455	Low	Inland flooding	33	6.4%
Orange County	1,428,790	High	Inland flooding	37	3.3%
Osceola County	387,795	Moderate	Inland flooding	37	6%
Palm Beach County	1,489,461	High	Hurricane	38	13%
Pasco County	561,566	High	Hurricane	42	10.3%
Pinellas County	958,822	High	Hurricane	43	19.4%
Polk County	721,918	High	Hurricane	40	2.6%
Putnam County	73,208	Low	Inland flooding	39	2.6%
Santa Rosa County	187,714	Moderate	Hurricane	43	14.1%
Sarasota County	433,908	High	Hurricane	46	17.9%
Seminole County	470,586	Moderate	Inland flooding	37	4%
St. Johns County	273,175	Moderate	Inland flooding	32	23.2%
St. Lucie County	328,876	High	Hurricane	36	8.7%
Sumter County	129,698	Moderate	Hurricane	32	4.1%
Suwannee County	43,427	Low	Hurricane	38	2.1%
Taylor County	21,690	Low	Hurricane	39	6.9%
Union County	16,088	Very Low	Hurricane	32	1.4%
Volusia County	551,829	High	Hurricane	42	11.1%
Wakulla County	33,756	Low	Inland flooding	45	8.2%
Walton County	75,211	Moderate	Hurricane	42	20.4%
Washington County	25,288	Low	Hurricane	40	1%

Linked names have a full page. Overall risk from the FEMA National Risk Index (December 2025); declarations are federal disaster and emergency declarations for natural events since 1953 (OpenFEMA); homes insured is the share with NFIP flood policies.