Florida natural disaster risk
Florida ranks #46 of 51 from the lowest population-weighted county-score mean in our state comparison. Its highest hazard-score means are hurricane, lightning, riverine flooding.
RelocateMath computes these state means by weighting FEMA county scores by population. A mean of county percentiles is not a national state percentile or an official FEMA state rating.
The vertical line marks county-score scale midpoint (50).
Find your county's risk in Florida
All 67 county rows with a FEMA score are available below, initially ordered by population.
| County | Population | Risk score | FEMA rating |
|---|---|---|---|
| Miami-Dade County | 2,738,356 | 99.6 | Very High |
| Broward County | 1,977,129 | 99.5 | Relatively High |
| Palm Beach County | 1,533,806 | 99.2 | Relatively High |
| Hillsborough County | 1,522,748 | 98.8 | Relatively High |
| Orange County | 1,471,937 | 98.4 | Relatively High |
| Duval County | 1,023,153 | 97.2 | Relatively High |
| Pinellas County | 963,481 | 98.2 | Relatively High |
| Lee County | 817,666 | 99.0 | Relatively High |
| Polk County | 790,694 | 96.5 | Relatively High |
| Brevard County | 632,780 | 98.4 | Relatively High |
| Pasco County | 611,444 | 96.0 | Relatively High |
| Volusia County | 579,622 | 96.2 | Relatively High |
| Seminole County | 481,470 | 91.4 | Relatively Moderate |
| Sarasota County | 459,547 | 98.2 | Relatively High |
| Manatee County | 429,792 | 97.6 | Relatively High |
| Osceola County | 427,415 | 92.0 | Relatively Moderate |
| Lake County | 412,924 | 91.9 | Relatively Moderate |
| Marion County | 400,078 | 94.7 | Relatively High |
| Collier County | 398,291 | 98.9 | Relatively High |
| St. Lucie County | 360,500 | 96.1 | Relatively High |
| Escambia County | 325,923 | 95.1 | Relatively High |
| St. Johns County | 306,934 | 87.5 | Relatively Moderate |
| Leon County | 297,542 | 93.4 | Relatively Moderate |
| Alachua County | 285,492 | 90.3 | Relatively Moderate |
| Clay County | 227,584 | 81.1 | Relatively Moderate |
| Okaloosa County | 216,599 | 92.5 | Relatively Moderate |
| Hernando County | 207,018 | 88.0 | Relatively Moderate |
| Charlotte County | 201,064 | 95.2 | Relatively High |
| Santa Rosa County | 198,472 | 89.0 | Relatively Moderate |
| Bay County | 186,393 | 94.1 | Relatively Moderate |
| Indian River County | 166,936 | 95.6 | Relatively High |
| Citrus County | 162,472 | 94.7 | Relatively High |
| Martin County | 162,176 | 94.1 | Relatively Moderate |
| Sumter County | 143,408 | 87.6 | Relatively Moderate |
| Flagler County | 126,528 | 82.8 | Relatively Moderate |
| Highlands County | 105,702 | 89.4 | Relatively Moderate |
| Nassau County | 97,859 | 59.3 | Relatively Low |
| Walton County | 82,948 | 88.6 | Relatively Moderate |
| Monroe County | 81,860 | 91.6 | Relatively Moderate |
| Putnam County | 75,164 | 79.7 | Relatively Low |
| Columbia County | 71,789 | 69.7 | Relatively Low |
| Jackson County | 48,250 | 75.7 | Relatively Low |
| Levy County | 45,391 | 66.1 | Relatively Low |
| Suwannee County | 45,342 | 71.3 | Relatively Low |
| Gadsden County | 43,710 | 72.4 | Relatively Low |
| Hendry County | 42,382 | 78.7 | Relatively Low |
| Okeechobee County | 40,816 | 80.3 | Relatively Low |
| Wakulla County | 35,387 | 46.7 | Relatively Low |
| DeSoto County | 35,386 | 81.6 | Relatively Moderate |
| Baker County | 28,430 | 13.3 | Very Low |
| Bradford County | 27,885 | 36.9 | Very Low |
| Hardee County | 25,675 | 69.2 | Relatively Low |
| Washington County | 25,529 | 59.4 | Relatively Low |
| Taylor County | 21,503 | 65.4 | Relatively Low |
| Holmes County | 19,513 | 49.4 | Relatively Low |
| Gilchrist County | 19,040 | 28.0 | Very Low |
| Madison County | 18,089 | 47.4 | Relatively Low |
| Dixie County | 17,058 | 35.5 | Very Low |
| Union County | 15,701 | 10.9 | Very Low |
| Gulf County | 15,131 | 59.5 | Relatively Low |
| Jefferson County | 15,091 | 39.0 | Very Low |
| Hamilton County | 13,616 | 43.0 | Relatively Low |
| Calhoun County | 13,492 | 44.9 | Relatively Low |
| Glades County | 12,563 | 48.0 | Relatively Low |
| Franklin County | 12,553 | 46.5 | Relatively Low |
| Lafayette County | 8,161 | 15.9 | Very Low |
| Liberty County | 7,687 | 12.7 | Very Low |
The county rows show FEMA's own county percentile scores and rating categories; the state figures above are our weighted means. County data cannot establish a property's safety. Expected loss is modeled annual loss per resident, not a premium quote. The insurance figure is what owners with a mortgage reported paying in 2024 (Census American Community Survey), not a current quote. For a specific home, check the address on FEMA's flood map and get insurance quotes before you commit. Our guide explains how to check natural disaster risk before you move.
Lowest FEMA county risk scores in Florida
- Baker County 13.3
- Bradford County 36.9
- Wakulla County 46.7
- Nassau County 59.3
- Washington County 59.4
- Taylor County 65.4
- Levy County 66.1
- Hardee County 69.2
Cities in Florida
- Miami, FL county-score mean 99.5
- Tampa, FL county-score mean 97.5
- Orlando, FL county-score mean 95.3
- Jacksonville, FL county-score mean 89.8
- Sarasota, FL county-score mean 97.9
- Cape Coral, FL county-score mean 99
- Lakeland, FL county-score mean 96.5
- Daytona Beach, FL county-score mean 93.9
- Palm Bay, FL county-score mean 98.4
- Port St. Lucie, FL county-score mean 95.4
- Pensacola, FL county-score mean 92.8
- Ocala, FL county-score mean 94.7
- Naples, FL county-score mean 98.9
- Gainesville, FL county-score mean 84
- Crestview, FL county-score mean 91.4
- Panama City, FL county-score mean 89.7
- Punta Gorda, FL county-score mean 95.2
- The Villages, FL county-score mean 87.6
Frequently asked questions
Is Florida safe from natural disasters?
Florida's population-weighted county-score mean is 95.3 out of 100 (very high county-score mean), #46 of 51 from the lowest mean in our state comparison. A state average cannot show whether an individual home is safe. About 79% of residents live in counties FEMA rates relatively high or very high.
What natural disasters happen in Florida?
The highest population-weighted county hazard-score means in Florida are hurricane, lightning, riverine flooding (means 98, 98, 93 on the 0–100 county-score scale). These are not national state percentiles.
Which counties have the lowest modeled risk scores in Florida?
Among counties with at least 20,000 people, the lowest FEMA county risk scores are in Baker County, Bradford County, Wakulla County. Conditions vary within each county; check an individual address separately.