Santa Rosa County, Florida

Santa Rosa County, Florida has a moderate overall risk from natural hazards in FEMA's National Risk Index. Its risk score is higher than 89% of US counties. It ranks 32nd of 67 counties in Florida. The costliest hazards here are hurricanes, inland flooding and tornadoes. FEMA estimates about $101 million a year in expected losses, or roughly $539 per resident. Since 1970 it has been included in 43 federal disaster or emergency declarations for natural events (27 major disasters). The most recent was in October 2026 (Hurricane Isaias). About 1 in 7 homes here carry federal flood insurance (9,799 policies). Since 1978, federal flood insurance has paid about $527 million on 10,439 claims here, including $406 million for floods in 2004.

FEMA National Risk Index December 2025; OpenFEMA declarations to Nov 6, 2026; NFIP records. Updated November 6, 2026.

Scores are percentiles: a score of 90 means higher risk than about 90% of US counties for that hazard. Hazards FEMA does not rate here are left out. Social vulnerability is very low and community resilience is relatively moderate in FEMA's measures.

The National Weather Service has logged 660 storm reports in Santa Rosa County since 1954, with 29 deaths and 184 injuries and about $30 million in reported damage. The strongest on record here was an F3 tornado on March 31, 1962.

Source: NOAA Storm Events Database, county-based reports through Jan 3, 2026. Tornado records start in 1950, hail and wind in 1955, and floods and other storm types in 1996, so older decades undercount. Damage is in dollars of the year it happened and is often an estimate. Winter storms, heat and hurricanes are logged by forecast zone, not county, so they are not counted here.

Since 1859, 23 hurricanes and 31 tropical storms have passed within 65 miles of the center of Santa Rosa County, 21 of them since 1950. The strongest was Hurricane Dennis (2005), with top winds near 125 mph about 54 miles away.

Source: NOAA National Hurricane Center best-track records (HURDAT2), 1851 to 2025 for the Atlantic and 1949 to 2025 for the eastern Pacific. A storm counts if its track passed within 65 miles of the county's center while it was a tropical storm or hurricane. Strength is the storm's top sustained wind at that point, not the wind measured in the county. Older storms over the open sea were sometimes missed.

National Flood Insurance Program (NFIP) records only; private flood policies are not included. Home counts as of Aug 3, 2026. Since 2021 NFIP prices each home separately under Risk Rating 2.0, so your price depends on the building, not the county. Ask an agent for a quote.

Older homes and mobile homes usually suffer more damage in storms, floods and earthquakes, and can cost more to insure. If you are buying, ask about roof age, foundation bolting and any retrofits. Source: US Census Bureau, American Community Survey 2020 to 2024 5-year estimates; 80,002 housing units.

Sources: FEMA National Risk Index (December 2025), OpenFEMA Disaster Declarations Summaries, and NFIP policy and claims data. Hazard Compass is independent and not affiliated with FEMA. These figures describe the whole county, not a single property, and are not insurance or safety advice. Report a problem.