Florida Natural Disaster Risk by County

Most exposed counties, hazard by hazard

Top 10 by FEMA hazard risk score

Hurricane 67 rated

#	County	Rating	Loss a year
1	Miami-Dade County	Very High	$331 million
2	Lee County	Very High	$300 million
3	Palm Beach County	Very High	$287 million
4	Broward County	Very High	$280 million
5	Brevard County	Very High	$281 million
6	Collier County	Very High	$216 million
7	Sarasota County	Very High	$180 million
8	Hillsborough County	Very High	$178 million
9	Manatee County	Very High	$154 million
10	St. Lucie County	Very High	$148 million

Tornado 67 rated

#	County	Rating	Loss a year
1	Hillsborough County	Very High	$77 million
2	Orange County	Very High	$45 million
3	Pinellas County	Very High	$33 million
4	Miami-Dade County	Relatively High	$25 million
5	Pasco County	Relatively High	$28 million
6	Volusia County	Relatively High	$24 million
7	Manatee County	Relatively High	$21 million
8	Seminole County	Relatively High	$26 million
9	Lake County	Relatively High	$18 million
10	Marion County	Relatively High	$15 million

Inland flooding 67 rated

#	County	Rating	Loss a year
1	Miami-Dade County	Very High	$356 million
2	Broward County	Very High	$289 million
3	Palm Beach County	Relatively High	$179 million
4	Orange County	Relatively High	$182 million
5	Collier County	Relatively High	$124 million
6	Hillsborough County	Relatively High	$146 million
7	Duval County	Relatively High	$134 million
8	Lee County	Relatively High	$95 million
9	Pinellas County	Relatively High	$91 million
10	Sarasota County	Relatively High	$67 million

Coastal flooding 47 rated

#	County	Rating	Loss a year
1	Miami-Dade County	Very High	$23 million
2	Pinellas County	Very High	$25 million
3	Monroe County	Very High	$21 million
4	Manatee County	Very High	$17 million
5	Lee County	Very High	$14 million
6	Broward County	Very High	$14 million
7	Collier County	Very High	$9.4 million
8	Sarasota County	Relatively High	$7.3 million
9	Palm Beach County	Relatively High	$7.5 million
10	Citrus County	Relatively High	$5.3 million

Wildfire 67 rated

#	County	Rating	Loss a year
1	Orange County	Relatively Moderate	$9.0 million
2	Brevard County	Relatively Moderate	$7.8 million
3	Polk County	Relatively Moderate	$6.7 million
4	Broward County	Relatively Moderate	$6.5 million
5	Miami-Dade County	Relatively Moderate	$5.2 million
6	Marion County	Relatively Moderate	$5.1 million
7	Lee County	Relatively Moderate	$4.9 million
8	Collier County	Relatively Moderate	$4.3 million
9	Volusia County	Relatively Moderate	$4.6 million
10	Lake County	Relatively Moderate	$4.5 million

Earthquake 67 rated

#	County	Rating	Loss a year
1	Duval County	Relatively Moderate	$5.4 million
2	Orange County	Relatively Low	$1.2 million
3	Escambia County	Relatively Low	$710,682
4	Hillsborough County	Relatively Low	$734,733
5	Volusia County	Relatively Low	$634,165
6	Leon County	Relatively Low	$717,985
7	Pinellas County	Relatively Low	$560,071
8	Seminole County	Relatively Low	$785,990
9	Alachua County	Relatively Low	$648,974
10	Clay County	Relatively Low	$764,081

Every Florida county, highest overall risk first

67

Find a county:

#	County	Overall risk	Score	Loss a year	Top hazard	Declarations	Tornadoes
1	Miami-Dade County	Very High	99.6	$825 million	Hurricane	41	152
2	Broward County	Relatively High	99.5	$648 million	Lightning	41	146
3	Palm Beach County	Relatively High	99.2	$519 million	Hurricane	39	199
4	Lee County	Relatively High	99.0	$433 million	Hurricane	43	132
5	Collier County	Relatively High	98.9	$398 million	Hurricane	52	74
6	Hillsborough County	Relatively High	98.8	$495 million	Lightning	45	153
7	Orange County	Relatively High	98.4	$418 million	Strong wind	37	70
8	Brevard County	Relatively High	98.4	$389 million	Hurricane	43	141
9	Pinellas County	Relatively High	98.2	$303 million	Lightning	43	151
10	Sarasota County	Relatively High	98.2	$273 million	Lightning	46	86
11	Manatee County	Relatively High	97.6	$255 million	Hurricane	48	95
12	Duval County	Relatively High	97.2	$264 million	Cold wave	39	80
13	Polk County	Relatively High	96.5	$213 million	Strong wind	40	171
14	Volusia County	Relatively High	96.2	$196 million	Lightning	42	109
15	St. Lucie County	Relatively High	96.1	$193 million	Hurricane	36	54
16	Pasco County	Relatively High	96.0	$199 million	Tornado	42	96
17	Indian River County	Relatively High	95.6	$163 million	Hurricane	33	35
18	Charlotte County	Relatively High	95.2	$131 million	Hurricane	40	66
19	Escambia County	Relatively High	95.1	$174 million	Lightning	40	100
20	Marion County	Relatively High	94.7	$128 million	Lightning	36	63
21	Citrus County	Relatively High	94.7	$112 million	Hurricane	39	52
22	Bay County	Relatively Moderate	94.1	$158 million	Hurricane	49	92
23	Martin County	Relatively Moderate	94.1	$119 million	Hurricane	39	43
24	Leon County	Relatively Moderate	93.4	$143 million	Cold wave	35	35
25	Okaloosa County	Relatively Moderate	92.5	$134 million	Lightning	41	105
26	Osceola County	Relatively Moderate	92.0	$118 million	Strong wind	37	44
27	Lake County	Relatively Moderate	91.9	$102 million	Strong wind	35	63
28	Monroe County	Relatively Moderate	91.6	$93 million	Coastal flooding	45	83
29	Seminole County	Relatively Moderate	91.4	$129 million	Tornado	37	31
30	Alachua County	Relatively Moderate	90.3	$90 million	Lightning	33	45
31	Highlands County	Relatively Moderate	89.4	$47 million	Strong wind	35	49
32	Santa Rosa County	Relatively Moderate	89.0	$101 million	Hurricane	43	79
33	Walton County	Relatively Moderate	88.6	$68 million	Hurricane	42	69
34	Hernando County	Relatively Moderate	88.0	$60 million	Hurricane	38	36
35	Sumter County	Relatively Moderate	87.6	$46 million	Hurricane	32	18
36	St. Johns County	Relatively Moderate	87.5	$97 million	Hurricane	32	68
37	Flagler County	Relatively Moderate	82.8	$42 million	Hurricane	36	28
38	DeSoto County	Relatively Moderate	81.6	$26 million	Hurricane	36	35
39	Clay County	Relatively Moderate	81.1	$57 million	Lightning	37	27
40	Okeechobee County	Relatively Low	80.3	$27 million	Hurricane	33	26
41	Putnam County	Relatively Low	79.7	$29 million	Hurricane	39	46
42	Hendry County	Relatively Low	78.7	$22 million	Lightning	36	34
43	Jackson County	Relatively Low	75.7	$25 million	Hurricane	34	48
44	Gadsden County	Relatively Low	72.4	$19 million	Hurricane	39	35
45	Suwannee County	Relatively Low	71.3	$25 million	Hurricane	38	44
46	Columbia County	Relatively Low	69.7	$22 million	Lightning	35	25
47	Hardee County	Relatively Low	69.2	$25 million	Strong wind	34	24
48	Levy County	Relatively Low	66.1	$15 million	Hurricane	43	23
49	Taylor County	Relatively Low	65.4	$16 million	Hurricane	39	24
50	Gulf County	Relatively Low	59.5	$17 million	Hurricane	47	29
51	Washington County	Relatively Low	59.4	$19 million	Hurricane	40	33
52	Nassau County	Relatively Low	59.3	$25 million	Hurricane	38	32
53	Holmes County	Relatively Low	49.4	$14 million	Hurricane	39	20
54	Glades County	Relatively Low	48.0	$8.8 million	Wildfire	35	26
55	Madison County	Relatively Low	47.4	$11 million	Hurricane	32	23
56	Wakulla County	Relatively Low	46.7	$19 million	Hurricane	45	26
57	Franklin County	Relatively Low	46.5	$11 million	Hurricane	46	50
58	Calhoun County	Relatively Low	44.9	$11 million	Hurricane	43	23
59	Hamilton County	Relatively Low	43.0	$8.6 million	Hurricane	36	7
60	Jefferson County	Very Low	39.0	$7.3 million	Hurricane	39	17
61	Bradford County	Very Low	36.9	$11 million	Hurricane	32	21
62	Dixie County	Very Low	35.5	$9.4 million	Hurricane	43	3
63	Gilchrist County	Very Low	28.0	$6.8 million	Hurricane	36	6
64	Lafayette County	Very Low	15.9	$5.6 million	Hurricane	34	10
65	Baker County	Very Low	13.3	$6.3 million	Wildfire	38	12
66	Liberty County	Very Low	12.7	$4.8 million	Hurricane	41	19
67	Union County	Very Low	10.9	$5.0 million	Hurricane	32	8

Score: FEMA's national percentile (higher = more risk). Declarations: federal declarations that named the county since 1953, not counting COVID-19. Tornadoes: NOAA SPC tornadoes that touched the county, 1950–2025.

Latest federal declarations in Florida

Hurricane Isaias DR-4955-FL · Hurricane · declared 27 Oct 2026 · 15 counties

Hurricane Isaias EM-3655-FL · Tropical Storm · declared 9 Oct 2026 · 27 counties

Cow Creek Fire FM-5632-FL · Fire · declared 23 Apr 2026 · 1 county

Railroad Complex Fire FM-5631-FL · Fire · declared 22 Apr 2026 · 2 counties

Hurricane Milton DR-4844-FL · Hurricane · declared 5 Nov 2024 · statewide

Hurricane Milton DR-4834-FL · Hurricane · declared 11 Oct 2024 · 51 counties

Hurricane Milton EM-3623-FL · Hurricane · declared 8 Oct 2024 · statewide

Hurricane Milton EM-3622-FL · Hurricane · declared 7 Oct 2024 · 51 counties

Other states and territories

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What this page shows, and what it misses

FEMA's National Risk Index compares every US county with every other for 18 natural hazards, combining expected losses with social vulnerability and community resilience. It is a planning-level estimate for nationwide comparison, not a flood-zone map and not the risk to any one property — for flood zones use FEMA's Flood Map Service Center ↗. Federal declarations exclude state declarations and SBA or USDA designations.

Federal Emergency Management Agency (FEMA), National Risk Index Dataset: National Risk Index Counties - v1.20.0 (December 2025). Retrieved from https://services.arcgis.com/XG15cJAlne2vxtgt/ArcGIS/rest/services/National_Risk_Index_Counties/FeatureServer/0/query on November 2, 2026, 1:20 PM EST. This product uses the Federal Emergency Management Agency’s National Risk Index dataset API or downloadable datasets but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).

Federal Emergency Management Agency (FEMA), OpenFEMA Dataset: Disaster Declarations Summaries - v2, retrieved from https://www.fema.gov/api/open/v2/DisasterDeclarationsSummaries on November 2, 2026, 1:21 PM EST. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).

Tornado records: NOAA/NWS Storm Prediction Center, Severe Weather Database, tornadoes 1950–2025 (https://www.spc.noaa.gov/wcm/data/1950-2025_actual_tornadoes.csv, downloaded 2 November 2026). Public domain; not endorsed by NOAA. Compiled by Global Incident Tracker.

Questions about Florida

Which county in Florida has the highest natural disaster risk?

Of Florida's 67 counties, 1 has a Very High natural-hazard risk rating in FEMA's National Risk Index (v1.20, December 2025); the highest is Miami-Dade County (score 99.6 of 100), and expected losses across the state total $8.8 billion a year.

Which Florida counties are most at risk from tornadoes?

By FEMA's National Risk Index tornado risk score: Hillsborough County, Orange County, Pinellas County. These are planning-level estimates for whole counties, not maps of individual properties.

Which Florida counties are most at risk from hurricanes?

By FEMA's National Risk Index hurricane risk score: Miami-Dade County, Lee County, Palm Beach County. These are planning-level estimates for whole counties, not maps of individual properties.

How many FEMA disaster declarations has Florida had?

OpenFEMA lists 186 federal disaster, emergency and fire management declarations for Florida since 1953 (not counting COVID-19); the latest is DR-4955-FL, Hurricane Isaias, declared 27 October 2026.