Fleming Island, Florida: natural disaster risk
How exposed Fleming Island is to floods, storms and other hazards, from FEMA and NOAA records for Clay County.
Fleming Island is a community of 29,766 people in Clay County, Florida. FEMA's National Risk Index rates Clay County relatively moderate for natural hazards overall, about average for the US. The costliest hazards there are inland flooding, hurricane and tornado, with about $57.1 million in expected losses a year across the county. The weather service has logged 592 storm reports in the county since 1953, including 27 tornadoes and 26 floods. NOAA hurricane records show 18 hurricanes and 47 tropical storms passing within 65 miles of the county's center, 1 of them major. About 5.1% of homes in the county carry federal flood insurance.
Risk figures are for Clay County. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in Fleming Island
Full Clay County report ›- Check the FEMA flood map for your address, and ask the seller or landlord about past flooding.
- Price a flood policy now. Most new federal policies take 30 days to start.
- Know your evacuation zone and route before June 1.
- Ask about roof age, shutters and the separate wind or hurricane deductible on your home policy.
- Pick a shelter spot: a basement, or an inside room on the lowest floor with no windows.
- Turn on emergency alerts on your phone and keep a weather radio.
All hazards
| Hazard | Rating | A year |
|---|---|---|
| Inland flooding | $35M | |
| Hurricane | $9M | |
| Tornado | $6M | |
| Heat wave | $2M | |
| Lightning | $2M | |
| Earthquake | $764K | |
| Wildfire | $716K | |
| Coastal flooding | $464K | |
| Strong wind | $406K | |
| Cold wave | $206K | |
| Hail | $21K | |
| Winter weather | $8K |
Homes in Fleming Island
Older homes and mobile homes usually take more damage in storms, floods and earthquakes. Ask about roof age, flood history and retrofits before you buy or rent.
Strongest tornadoes in Clay County
More cities in Clay County
Common questions about Fleming Island
Is Fleming Island safe from natural disasters?
Fleming Island is in Clay County, which FEMA's National Risk Index rates relatively moderate overall, about average for the US. The biggest hazards are inland flooding, hurricane, tornado. No place is free of risk, so check the flood map and insurance for any home you consider.
What natural disasters happen in Fleming Island?
By expected yearly losses in Clay County, the top hazards are inland flooding (Moderate), hurricane (Moderate), tornado (Moderate). Clay County has been part of 37 federal disaster or emergency declarations for natural events.
Does Fleming Island get tornadoes?
Yes. NOAA records list 27 tornadoes in Clay County since 1950; the strongest was an F2 tornado on March 29, 2001 near Green Cove Spgs. FEMA rates tornado risk in the county moderate.
Do I need flood insurance in Fleming Island?
Standard home insurance does not cover floods. In Clay County, about 5.1% of homes have federal flood insurance, and FEMA rates inland flooding risk moderate. Check the FEMA flood map for your address and get a quote even outside a high-risk zone.