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Natural hazards · Atlantic Beach

Atlantic Beach, FL natural hazards

Most of the natural-hazard damage FEMA expects in Atlantic Beach comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 139 claims here since 1979. 15 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations
Expected damage

How exposed is Atlantic Beach?

36
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Atlantic Beach to be higher than in 36% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding45%Hurricanes31%Cold waves10%Everything else14%
By hazard

What Atlantic Beach faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

45% of expected damage
Below average · higher than 29% of U.S. places
Recorded about 3 times a year in the area

Hurricanes

31% of expected damage
Well above average · higher than 87% of U.S. places
Recorded about once every 3 years in the area

Cold waves

10% of expected damage
Well above average · higher than 80% of U.S. places
Recorded about 3 times a year in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic activity
Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Atlantic Beach flood?

Every paid claim on a federal flood insurance policy in Atlantic Beach, from FEMA’s records.

139paid claims since 1979
$2.0Mpaid to owners
6homes flooded more than once
19792026

Biggest named events

  • Hurricane Irma: 8 claims, $180K
  • Hurricane Matthew: 4 claims, $48K
  • Tropical Storm Fay: 2 claims, $13K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
🏷️ 25% off flood insurance. Atlantic Beach is in FEMA’s Community Rating System (class 5) for its flood-proofing work.
Insurance rates: Duval County.

What’s been done with FEMA grants

3buildings retrofitted against wind
Disasters that hit Atlantic Beach

15 federal disasters brought FEMA money here

Disasters the President declared that paid out in Atlantic Beach itself: aid to households, or repair grants to the City of Atlantic Beach.

Brought FEMA money into Atlantic BeachDeclared for Duval County only
2024

Hurricane Milton

96 households applied for aid $13K aid approved
2024

Hurricane Helene

76 households applied for aid $87K aid approved $120K to the City of Atlantic Beach for repairs
2023

Hurricane Idalia

$22K to the City of Atlantic Beach for repairs
2022

Hurricane Nicole

$8K to the City of Atlantic Beach for repairs
2022

Hurricane Ian

2 households applied for aid $700 aid approved $90K to the City of Atlantic Beach for repairs
2019

Hurricane Dorian

$53K to the City of Atlantic Beach for repairs
2017

Hurricane Irma

1,220 households applied for aid $330K aid approved $839K to the City of Atlantic Beach for repairs
2016

Hurricane Matthew

124 households applied for aid $17K aid approved $347K to the City of Atlantic Beach for repairs
2012

Tropical Storm Debby

11 households applied for aid $8K aid approved
2008

Tropical Storm Fay

20 households applied for aid $8K aid approved $139K to the City of Atlantic Beach for repairs
2004

Hurricane Jeanne

49 households applied for aid $30K aid approved $41K to the City of Atlantic Beach for repairs
2004

Hurricane Ivan

4 households applied for aid
2004

Hurricane Frances

70 households applied for aid $45K aid approved $129K to the City of Atlantic Beach for repairs
2004

Tropical Storm Bonnie and Hurricane Charley

14 households applied for aid $3K aid approved $6K to the City of Atlantic Beach for repairs
1999

Hurricane Floyd Major Disaster Declarations

$32K to the City of Atlantic Beach for repairs
Duval County has had 32 natural disasters declared since 1953, most often hurricanes and severe storms.
Around Atlantic Beach

Atlantic Beach and the towns around it

Jacksonville: Moderate, mostly inland floodingNeptune Beach: Moderate, mostly inland floodingFruit Cove: High, mostly inland floodingOrange Park: Low, mostly inland floodingNassau Village-Ratliff: High, mostly inland floodingJacksonville Beach: Moderate, mostly inland floodingBellair-Meadowbrook Terrace: Moderate, mostly inland floodingOakleaf Plantation: High, mostly inland floodingFleming Island: High, mostly inland floodingNocatee: Moderate, mostly inland floodingAtlantic Beach: Low, mostly inland flooding Atlantic BeachJacksonvilleNeptune Beach
Very lowLowModerateHighVery high
Jacksonvillemostly inland floodingModerate
Neptune Beachmostly inland floodingModerate
Atlantic Beachmostly inland floodingLow
About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.
Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Atlantic Beach covers 3 census tracts, combined by population.
Money that reached townFlood claims are matched to Atlantic Beach’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Atlantic Beach. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Atlantic Beach total about $3.8M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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