Fruit Cove, Florida: natural disaster risk
How exposed Fruit Cove is to floods, storms and other hazards, from FEMA and NOAA records for St. Johns County.
Fruit Cove is a community of 35,877 people in St. Johns County, Florida. FEMA's National Risk Index rates St. Johns County relatively moderate for natural hazards overall, about average for the US. The costliest hazards there are inland flooding, hurricane and coastal flooding, with about $97 million in expected losses a year across the county. The weather service has logged 753 storm reports in the county since 1950, including 66 tornadoes and 53 floods. NOAA hurricane records show 23 hurricanes and 46 tropical storms passing within 65 miles of the county's center, 5 of them major. About 23.2% of homes in the county carry federal flood insurance.
Risk figures are for St. Johns County. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in Fruit Cove
Full St. Johns 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.
- Learn your evacuation zone; it is set by surge risk, not by distance from the beach.
- Ask about flood insurance even outside a mapped high-risk zone.
All hazards
| Hazard | Rating | A year |
|---|---|---|
| Inland flooding | $51M | |
| Hurricane | $23M | |
| Coastal flooding | $8M | |
| Tornado | $8M | |
| Heat wave | $2M | |
| Lightning | $2M | |
| Wildfire | $2M | |
| Strong wind | $574K | |
| Earthquake | $552K | |
| Cold wave | $288K | |
| Drought | $53K | |
| Hail | $30K |
Homes in Fruit Cove
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 St. Johns County
More cities in St. Johns County
Common questions about Fruit Cove
Is Fruit Cove safe from natural disasters?
Fruit Cove is in St. Johns County, which FEMA's National Risk Index rates relatively moderate overall, about average for the US. The biggest hazards are inland flooding, hurricane, coastal flooding. No place is free of risk, so check the flood map and insurance for any home you consider.
What natural disasters happen in Fruit Cove?
By expected yearly losses in St. Johns County, the top hazards are inland flooding (Moderate), hurricane (High), coastal flooding (High). St. Johns County has been part of 32 federal disaster or emergency declarations for natural events.
Does Fruit Cove get tornadoes?
Yes. NOAA records list 66 tornadoes in St. Johns County since 1950; the strongest was an F3 tornado on April 15, 1958. FEMA rates tornado risk in the county moderate.
Do I need flood insurance in Fruit Cove?
Standard home insurance does not cover floods. In St. Johns County, about 23.2% 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.