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Risk: Relatively Moderate

Flagler County, FL Environment & Hazard Risk

Relatively Moderate natural hazard risk, led by hurricane. 904 storm events since 1996.

Expected yearly loss
$41.6M
Relatively Low nationally
Storm events since 1996
904
Most often thunderstorm wind
Flood insurance policies
7,540
15.2% of homes
Hurricanes nearby
5
16 tropical storms or stronger since 1873

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Relatively Moderate

Score 82.8 of 100

Social vulnerability

Relatively High

Score 60.9 of 100

Community resilience

Relatively Moderate

Score 40.3 of 100

Community resilience runs the other way: a higher rating means a community can recover faster.

Building value exposed: $19.1B · Agriculture value exposed: $18.4M · Risk-adjusted yearly loss: $51.5M

Risk by hazard

  • HurricaneRelatively High$18.6M/yr expected annual loss, about once every 4 years
  • WildfireRelatively Low$873K/yr expected annual loss, about once every 193 years
  • TornadoRelatively Moderate$3.5M/yr expected annual loss, about once every 3 years
  • LightningRelatively Moderate$522K/yr expected annual loss, about 68 events a year
  • Heat waveRelatively Low$801K/yr expected annual loss, about 3.5 events a year
  • Coastal floodingRelatively Moderate$790K/yr expected annual loss, about 1.4 events a year
  • Strong windRelatively Low$361K/yr expected annual loss, about 1.1 events a year
  • EarthquakeVery Low$123K/yr expected annual loss, about once every 1,721 years
  • LandslideVery Low$200/yr expected annual loss, about once every 18 years
  • DroughtVery Low$11.8K/yr expected annual loss, about 15 events a year
  • Cold waveVery Low$181K/yr expected annual loss, about 2.7 events a year
  • HailVery Low$16.6K/yr expected annual loss, about 2.1 events a year

Bars show the national percentile score (0 to 100) for each hazard. Dollar figures are expected annual losses to buildings, people and crops. Not rated here: avalanche, ice storm, riverine flooding, tsunami, volcanic activity, winter weather.

Flood risk and insurance

National Flood Insurance Program and FEMA flood maps

Check the flood zone for an address

Homes with flood insurance
7,540 of 49,625 (15.2%)
Homes in high-risk flood zones
2,482
Insured in high-risk zones
2,864 (0%)
Flood claims since 1978
2,153
Claims paid since 1978
$78.4M

Flood claims paid per year

Flood claims paid per year in Flagler County
Beta
  • Hurricane Irma$42.7M · 719 claims
  • Hurricane Nicole$13.7M · 252 claims
  • Hurricane Matthew$12.7M · 468 claims
  • Hurricane Ian$4.5M · 159 claims
  • Hurricane Milton$1.9M · 65 claims
  • Hurricane Frances$985K · 92 claims

Storm history

Since 1996: 904 events, 4 deaths, $124M in damage

  • Thunderstorm Wind284
  • Heavy Rain168
  • Hail110
  • Funnel Cloud49
  • Lightning42
  • Flood39
  • Coastal Flood30
  • High Surf29
  • Tropical Storm25
  • Wildfire20
Beta

Events per year

Storm events per year in Flagler County
46
34
38
19
38
45
27
42
33
18
39
33
29
36
51
36
48
22
21
22
Beta

28 tornadoes on record (EF0 6, EF1 2, EF2 1, F0 15, F1 2, F2 2).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • Tropical Storm10/06/2016

    Flagler

    $73M damage

    What happened

    Tropical storm conditions started to cause damage to the Flagler Beach Pier during the late afternoon of Thu. Oct. 6th when a couple of pylons were washed away. Around 0227 EDT on 10/7 the first tropical storm force wind gust of 47 mph was measured. During the predawn hours of The 7th, tropical storm force wind gusts of 47-62 mph were measured across Flagler county, mainly east of Bunnell toward Palm Coast and Flagler Beach. During the morning between 0700 and 1200 EDT, tropical storm force wind gusts increased to 57-83 mph at Marineland and Flagler Beach with the highest gusts of 76 and 83 measured at Flagler Beach and . The first reports of tree damage were reported around 0800 in Palm Coast. The boardwalk was being washed away in the Villages of Matanzas Shores around 0900 EDT. Storm surge started to flood coastal homes by 0900 EDT. At 1120 EDT, sustained 60 mph winds were measured at Flagler Beach. Reports of trees uprooted were reported in Palm Coast by noon, and hurricane force wind gusts up to 76 mph were measured by 1124 EDT at Flagler Beach. Around 1146 EDT, portions of coastal highway A1A near the beach were washed out in Flagler Beach. Between 1145 and 1200 EDT,...

  • Dense Fog02/25/2022

    Inland Flagler

    3 deaths, 2 injured

    What happened

    Two car accidents occurred within 15 minutes of each other in inland Flagler county during the predawn hours, likely due to poor visibility from fog in the area. A car accident near the intersection of State Road 100 and County Road 305 resulted in 1 fatality. Another car accident occurred around 6 am at State Road 100 and Water Oak Road which caused 2 fatalities. Dense fog was a possible contributor to both crashes per local News Reports, however, at this time, both accidents remain under investigation by Law Enforcement. The Flagler County Sheriff closed State Road 100 from near County Road 305 westward to the Putnam County line that morning after the crashes due to foggy conditions.

  • Tropical Storm11/09/2022

    Coastal Flagler

    $23.7M damage

    What happened

    Strong tropical storm force winds and storm surge affected Flagler county and led to substantial property damage across the county. Major, destructive beach erosion and storm surge impacted the coast with the peak of impacts through the day on Thursday, November 10th. Sections of A1A where undermined and collapsed due to the extensive beach erosion with numerous beach access boardwalks and stairs demolished and washed away in Flagler Beach along A1A south into the Ocean Palm Golf Club area. There was storm surge flooding at Whitney Labs in Marineland. Strong tropical storm force winds impacted the county. ||Preliminary damage estimates for the entire county���s cumulative impact is 23.7 million dollars with 299 structures damaged.||On Wednesday Nov. 9th at 9:10 am, the public posted on social media that the end of the Flagler Beach Pier further collapsed from high surf. The structure was already weakened from Hurricane Ian. At 10:26 am, Flagler County Emergency Management (EMA) reported that State Road A1A was closed south of the Flagler Beach Pier from South 7th Street to South 16th Street due to tidal over-wash. At 10:28 am, Flagler EMA reported that State Road A1A was...

  • Astronomical Low Tide09/15/2012

    Flagler

    22 injured

    What happened

    The Orlando New 13 station reported 22 rip current rescues along the Flagler County Atlantic coast. There was a moderate rip current risk in effect.

  • Hurricane (Typhoon)10/09/2024

    Coastal Flagler

    $18.8M damage

    What happened

    Flagler County experience Hurricane force wind gusts mainly along the coast ranging from 45-92 mph which led to downed trees and powerlines as well as roof damage being reported across much of the county. It should be noted the 92 mph wind gust reported at a WeatherStem site at Marineland remains suspect. The combination of heavy rainfall and surge flooding led to extensive flooding across Flagler county. ||Widespread 5-9 inches of rain were reported, with the highest storm total measured at 9.36 inches in Bunnell at 1:10 am on 10/10. On 10/10 at 1:55 am, a mesonet site 1 mile ESE of Flagler Beach measured 5.59 inches of storm total rainfall thus far. On 10/10 at 2:16 am, a mesonet site 3 miles S of Palm Coast had measured 5.51 inches of rainfall. At 3:44 am, the public about 4 miles NW of Flagler Beach measured 5.61 inches of storm total rainfall. ||Storm surge from Milton led to an overwash on A1A in Marineland near Old A1A and in Flagler Beach. Portions of A1A were closed due to sand over the roadway. Per a professional boat captain, peak storm surge in northeast Palm Coast was 4 ft and 6 inches. On a NWS storm survey, the WCM measured a surge value (marked by a seedline)...

  • Rip Current08/05/1998

    Flagler Beach, Flagler County

    1 death

    What happened

    Location: Crescent Beach Boat Ramp

Drinking water

10 community water systems serve about 132,066 people. Violations since 2021.

1 system had health-based violations, such as a contaminant over the legal limit or a missed treatment step.

Largest systems by population served. Monitoring and reporting violations mean required tests or notices were late or missing, not that the water was unsafe.

Pollution sites

0 Superfund sites and 5 toxic release facilities in Flagler County

Superfund sites

None in this county.

Toxic release facilities

Total: 91,116 lbs in 2024, 86,352 lbs to air.

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk5 historic places

Frequently asked questions

How risky is Flagler County for natural disasters?
FEMA rates Flagler County relatively moderate for overall natural hazard risk, with expected losses of $41.6M a year. The highest-rated hazards are hurricane (relatively high), wildfire (relatively low), tornado (relatively moderate).
What storms are most common in Flagler County?
Since 1996, NOAA recorded 904 storm events affecting Flagler County, most often thunderstorm wind (284), heavy rain (168), hail (110).
How many tornadoes have hit Flagler County?
28 tornadoes have been recorded in Flagler County since 1950.
How many homes in Flagler County have flood insurance?
7,540 residential flood insurance policies are in force in Flagler County, covering about 15.2% of homes. The program has paid $78.4M on 2,153 claims here since 1978.
What is the weather like in Flagler County?
At Crescent City, average highs reach 91°F in Jul and lows fall to 47°F in Jan, with 49.9 inches of rain a year (1991-2020 normals).

Source: FEMA (National Risk Index, NFIP), NOAA (Storm Events, HURDAT2, Climate Normals), EPA · Last updated 08/01/2026 · Storm counts include events in forecast zones that touch the county. This product uses the FEMA OpenFEMA API, but is not endorsed by FEMA.

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