Natural hazards · Bagdad

Bagdad, FL natural hazards

Most of the natural-hazard damage FEMA expects in Bagdad comes from hurricanes, and overall the risk is very high for a U.S. community. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Bagdad?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bagdad to be higher than in 91% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes51%Inland flooding31%Tornadoes8%Everything else11%

By hazard

What Bagdad faces

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

Hurricanes

51% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about once every 4 years in the area

Inland flooding

31% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

8% of expected damage

Above average · higher than 66% of U.S. places

Lower here

Coastal floodingHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

AvalanchesTsunamisVolcanic 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 Bagdad flood?

FEMA's records show no paid flood insurance claims in Bagdad.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Bagdad isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Santa Rosa County.

What’s been done with FEMA grants

9buildings retrofitted against wind

Disasters that hit Bagdad

4 federal disasters brought FEMA money here

Disasters the President declared that paid out in Bagdad itself: aid to households, or repair grants to Bagdad.

Brought FEMA money into BagdadDeclared for Santa Rosa County only

2020

Hurricane Sally

3 households applied for aid

2014

Severe Storms, Tornadoes, Straight-Line Winds, and Flooding

12 households applied for aid $28K aid approved

2005

Hurricane Dennis

98 households applied for aid $57K aid approved

2004

Hurricane Ivan

139 households applied for aid $376K aid approved

Santa Rosa County has had 36 natural disasters declared since 1953, most often hurricanes and severe storms.

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. Bagdad is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Bagdad’s own flood-insurance community; household aid to the registrant’s city; repair grants to Bagdad. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.