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Florida Environment & Hazard Risk

21 counties rated high or very high risk. 35,204 storm events since 1996, #25 among states.

Expected yearly loss
$8.8B
$409 per person
Storm events since 1996
35,204
Most often thunderstorm wind
Flood insurance policies
1,040,464
$19.3B in claims paid
Superfund sites
81
758 toxic release facilities

Risk by county

FEMA National Risk Index rating, highest risk first

CountyOverall riskTop hazardFlood policiesFlood claims paid
Miami-Dade CountyVery HighHurricane164,154$856M
Broward CountyHighLightning125,204$458M
Palm Beach CountyHighHurricane69,154$72.3M
Lee CountyHighHurricane84,120$3.9B
Collier CountyHighHurricane51,467$1.1B
Hillsborough CountyHighLightning54,179$1.2B
Orange CountyHighStrong wind13,113$73.1M
Brevard CountyHighHurricane29,365$69.1M
Pinellas CountyHighLightning76,020$3.8B
Sarasota CountyHighLightning37,772$857M
Manatee CountyHighHurricane28,439$651M
Duval CountyHighCold wave20,676$215M
Polk CountyHighStrong wind7,144$45.8M
Volusia CountyHighLightning25,185$582M
St. Lucie CountyHighHurricane10,964$84.7M
Pasco CountyHighTornado23,604$693M
Indian River CountyHighHurricane12,860$67M
Charlotte CountyHighHurricane32,247$476M
Escambia CountyHighLightning10,067$732M
Marion CountyHighLightning3,398$6M
Citrus CountyHighHurricane5,549$385M
Bay CountyModerateHurricane13,382$338M
Martin CountyModerateHurricane9,539$40M
Leon CountyModerateCold wave2,487$11.9M
Okaloosa CountyModerateLightning8,128$283M
Osceola CountyModerateStrong wind7,888$25M
Lake CountyModerateStrong wind3,776$7.3M
Monroe CountyModerateCoastal flooding22,181$714M
Seminole CountyModerateTornado6,283$54.2M
Alachua CountyModerateLightning2,149$8.8M
Highlands CountyModerateStrong wind964$2.6M
Santa Rosa CountyModerateHurricane9,799$528M
Walton CountyModerateHurricane8,647$68.5M
Hernando CountyModerateHurricane4,089$138M
Sumter CountyModerateHurricane2,912$1.5M
St. Johns CountyModerateHurricane22,491$252M
Flagler CountyModerateHurricane7,540$78.4M
DeSoto CountyModerateHurricane434$17.1M
Clay CountyModerateLightning4,005$76.3M
Okeechobee CountyLowHurricane1,244$1.9M
Putnam CountyLowHurricane1,038$10.7M
Hendry CountyLowLightning657$742K
Jackson CountyLowHurricane104$877K
Gadsden CountyLowHurricane79$328K
Suwannee CountyLowHurricane436$8.4M
Columbia CountyLowLightning654$7.5M
Hardee CountyLowStrong wind118$6.1M
Levy CountyLowHurricane840$55.3M
Taylor CountyLowHurricane669$37.4M
Gulf CountyLowHurricane1,610$94.7M
Washington CountyLowHurricane117$4.6M
Nassau CountyLowHurricane6,287$12.7M
Holmes CountyLowHurricane99$2.8M
Glades CountyLowWildfire185$394K
Madison CountyLowHurricane88$1.5M
Wakulla CountyLowHurricane1,131$34.4M
Franklin CountyLowHurricane1,984$46.6M
Calhoun CountyLowHurricane80$2.1M
Hamilton CountyLowHurricane52$1.6M
Jefferson CountyVery LowHurricane75$88K
Bradford CountyVery LowHurricane436$4.2M
Dixie CountyVery LowHurricane556$21.4M
Gilchrist CountyVery LowHurricane180$2.2M
Lafayette CountyVery LowHurricane146$2.5M
Baker CountyVery LowWildfire146$2.9M
Liberty CountyVery LowHurricane13$132K
Union CountyVery LowHurricane65$500K

Storm events by type

Since 1996: 1,313 deaths, $84.6B in property and crop damage

  • Thunderstorm Wind12,193 · 32 deaths
  • Hail4,660
  • Heavy Rain1,800 · 5 deaths
  • Lightning1,786 · 179 deaths
  • Tornado1,730 · 90 deaths
  • Flood1,582 · 13 deaths
  • Drought1,541
  • Flash Flood1,426 · 9 deaths
  • Tropical Storm1,357 · 118 deaths
  • Funnel Cloud1,099
  • Frost/Freeze862
  • Waterspout751

Events per year

Storm events per year in Florida

Most damaging storms

Since 2017, ranked by deaths, injuries and damage

  • Hurricane (Typhoon)09/28/2022

    Coastal Lee

    60 deaths, $7B damage

    What happened

    The highest wind reported in Lee County from Hurricane Ian was a gust to 140 mph at a weatherSTEM station at the Cape Coral yacht club at 4:20 PM EST on September 28. Catastrophic damage was caused by the storm surge that most severely affected coastal areas. Surveys indicate a maximum storm surge near 15 feet near the northwest part of Fort Myers Beach, with widespread 10 to 12 feet of inundation across parts of Fort Myers, Fort Myers Beach and Bonita Beach, with all of Fort Myers Beach and Bonita Beach experiencing 6 to 8 feet of inundation. The peak recorded water level of 7.26 feet above MHHW at Fort Myers along the Caloosahatchee River at 5:30 PM EST on September 28 surpassed the previous record of 3.36 feet above MHHW, set during Hurricane Gabrielle in 2001. Structures on barrier islands were washed away, and causeways and bridges partially collapsed or were heavily damaged. Rainfall generally ranged from 5 to 10 inches with a maximum of 9.82 inches reported south of Charlotte Park. Lee County emergency management reported over 50,000 buildings damaged, of which 5,369 were destroyed, 14,245 received major damage, 16,314 received minor damage, and another 17,871 were...

  • Hurricane (Typhoon)10/10/2018

    Coastal Bay

    21 deaths, $6B damage

    What happened

    Hurricane Michael started as typical weak October Caribbean tropical system. However, after approximately a week of slow development, the system moved into warm Gulf of Mexico waters and rapidly intensified into a major hurricane as it moved north towards the Florida Panhandle. After a 2-day long intensification period over the eastern Gulf, Michael made landfall as an unprecedented (for the region) high-end category 4 hurricane on the Saffir-Simpson Hurricane Wind Scale in the Florida Panhandle with maximum sustained wind speed of 155 mph and a minimum pressure 919 mb. Based on wind, Michael is the fourth most powerful hurricane to hit the United States, behind the Labor Day Hurricane (1935), Hurricane Camille (1969) and Hurricane Andrew (1992), and the most powerful storm to impact the Florida Panhandle in recorded history. Based on central pressure, Michael is the third most powerful hurricane to hit the United States, behind only the Labor Day Hurricane (1935) and Hurricane Camille (1969). The storm caused catastrophic damage from wind and storm surge, particularly in the Panama City Beach to Mexico Beach to Cape San Blas areas. The widespread catastrophic damage spread...

  • Hurricane (Typhoon)09/28/2022

    Coastal Charlotte

    8 deaths, $3B damage

    What happened

    The highest wind reported in Charlotte County from Hurricane Ian was a gust to 111 mph near Grove city at 3:26 PM EST on September 28. Rainfall generally ranged from 5 to 10 inches over the eastern half of the county, to 15 to 25 inches across western and coastal locations, where an event-maximum total of 26.95 inches was reported near Grove City. Initial assessments reported over 200 homes destroyed; however, assessments remain ongoing, with additional structures likely damaged or destroyed. There were 8 fatalities directly attributed to Hurricane Ian by the medical examiner.

  • Hurricane (Typhoon)09/28/2022

    Coastal Collier County

    $2.2B damage

    What happened

    Wind gusts of 100-110 mph were measured at about 100-150 feet above ground level over western Collier county at the Naples Grande Resort, at Kalea Bay, and at Naples Municipal Airport. Peak near-surface wind gusts were likely in the 80-90 mph range. Wind damage was mainly confined to trees/fences/screens, with minor wind damage to vulnerable structures. ||Estimated highest number of customers without power was 201,095 as of 3 PM on September 29th. ||Reported damage estimate for the entire county is $2.2 billion, which includes storm surge-related damage. Of that, $1.7 billion is to residential properties and $492 million to commercial properties. A total of 33 buildings were destroyed, with 3,515 residential and commercial buildings suffering major damage. Breakdown of damage amount by|City/area: unincorporated Collier County $948 million, city of Naples $989|Million, Marco Island $256 million, Everglades City $7.1 million.

  • Hurricane (Typhoon)09/28/2022

    Coastal Sarasota

    8 deaths, $2B damage

    What happened

    The highest wind reported in Sarasota County from Hurricane Ian was a gust to 109 mph at Tarpon Point at 12:56 PM EST on September 28. Rainfall generally ranged from 8 to 12 inches over the northern third of the county, to 15 to 20 inches across central and southern locations, where a maximum total of 21.45 inches was reported northeast of Northport. The Myakka river at Myakka River State Park reached a record level of 12.84 feet on October 1 at 11:45 PM EST, and area flooding prompted closure of Interstate 75 and offramps near heaviest affected flooding locations. There were 8 fatalities directly attributed to Hurricane Ian by the medical examiner.

  • Hurricane (Typhoon)09/26/2024

    Inland Dixie

    3 deaths, $1.1B damage

    What happened

    One person was killed when a tree fell through their house. Two others died from cardiac arrest. There were 120 people in the mini temporary hospital that was set up. Nearly all customers lost power due to widespread downed power lines and trees.

Flood insurance

National Flood Insurance Program policies and claims

1,040,464 homes in Florida have flood insurance, about 13.7% of residential buildings. In high-risk flood zones, 674,369 of 1,007,351 homes (67%) are insured.

Flood claims paid per year in Florida
  • Hurricane Helene$6.5B · 54,670 claims
  • Hurricane Ian$4.8B · 47,551 claims
  • Hurricane Milton$1.2B · 21,662 claims
  • Hurricane Irma$985M · 28,725 claims
  • Hurricane Ivan$967M · 12,930 claims
  • Hurricane Opal$387M · 11,955 claims

Drinking water

1,593 community water systems serve about 22,112,177 people

Since 2021, 124 systems reported 546 health-based violations. 429 systems had a violation of any kind still open at last report. These had the most:

Select a county above to see every system that serves it.

Pollution sites

81 Superfund sites and 758 toxic release facilities

Superfund sites

All 81 in Florida

Largest toxic releases

All 758 in Florida

Facilities in Florida reported 43.2 million lbs of toxic releases in 2024, 13.3 million lbs of it into the air.

Frequently asked questions

What is the biggest natural hazard in Florida?
By expected annual loss, hurricane costs the most in Florida ($4.3B a year), according to FEMA's National Risk Index.
How many storms hit Florida each year?
NOAA recorded 35,204 storm events in Florida since 1996, about 1,136 a year. The most common type is thunderstorm wind.
How many hurricanes have hit Florida?
Florida has had 108 hurricane landfalls since 1851, including 40 major hurricanes of Category 3 or stronger.
How many homes in Florida have flood insurance?
1,040,464 residential flood insurance policies are in force in Florida. Since 1978 the National Flood Insurance Program has paid $19.3B on 447,174 claims here.
How many Superfund sites are in Florida?
Florida has 81 Superfund sites on or deleted from EPA's National Priorities List.

Source: FEMA, NOAA, EPA · Last updated 08/01/2026 · Storm counts include events in forecast zones that touch each county. This product uses the FEMA OpenFEMA API, but is not endorsed by FEMA.