Palm Coast, Florida: natural disaster risk
How exposed Palm Coast is to floods, storms and other hazards, from FEMA and NOAA records for Flagler County.
Palm Coast is a city of 98,258 people in Flagler County, Florida. FEMA's National Risk Index rates Flagler County relatively moderate for natural hazards overall, about average for the US. The costliest hazards there are hurricane, inland flooding and tornado, with about $41.6 million in expected losses a year across the county. The weather service has logged 721 storm reports in the county since 1960, including 28 tornadoes and 49 floods. NOAA hurricane records show 23 hurricanes and 46 tropical storms passing within 65 miles of the county's center, 4 of them major. About 15.2% of homes in the county carry federal flood insurance.
Risk figures are for Flagler County. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in Palm Coast
Full Flagler County report ›- 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.
- 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.
- 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 |
|---|---|---|
| Hurricane | $19M | |
| Inland flooding | $16M | |
| Tornado | $4M | |
| Wildfire | $873K | |
| Heat wave | $801K | |
| Coastal flooding | $790K | |
| Lightning | $522K | |
| Strong wind | $361K | |
| Cold wave | $181K | |
| Earthquake | $123K | |
| Hail | $17K | |
| Drought | $12K |
Homes in Palm Coast
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 Flagler County
Common questions about Palm Coast
Is Palm Coast safe from natural disasters?
Palm Coast is in Flagler County, which FEMA's National Risk Index rates relatively moderate overall, about average for the US. The biggest hazards are hurricane, inland flooding, tornado. No place is free of risk, so check the flood map and insurance for any home you consider.
What natural disasters happen in Palm Coast?
By expected yearly losses in Flagler County, the top hazards are hurricane (High), inland flooding (Moderate), tornado (Moderate). Flagler County has been part of 36 federal disaster or emergency declarations for natural events.
Does Palm Coast get tornadoes?
Yes. NOAA records list 28 tornadoes in Flagler County since 1950; the strongest was an F2 tornado on November 20, 1983. FEMA rates tornado risk in the county moderate.
Do I need flood insurance in Palm Coast?
Standard home insurance does not cover floods. In Flagler County, about 15.2% 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.