Natural hazards · Big Coppitt Key

Big Coppitt Key, FL natural hazards

Most of the natural-hazard damage FEMA expects in Big Coppitt Key comes from hurricanes, and overall the risk is very high for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Big Coppitt Key?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Big Coppitt Key to be higher than in 98% of U.S. communities, mostly from hurricanes and coastal flooding.

Hurricanes65%Coastal flooding30%Everything else6%

By hazard

What Big Coppitt Key faces

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

Hurricanes

65% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 4 years in the area

Coastal flooding

30% of expected damage

Well above average · among the top 1% of U.S. places

Lower here

Inland floodingTornadoesHailCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Ice stormsWinter weatherDroughtAvalanchesTsunamisVolcanic 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 Big Coppitt Key flood?

FEMA's records show no paid flood insurance claims in Big Coppitt Key.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Monroe County.

What’s been done with FEMA grants

1buildings retrofitted against wind

Disasters that hit Big Coppitt Key

2 federal disasters brought FEMA money here

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

Brought FEMA money into Big Coppitt KeyDeclared for Monroe County only

2017

Hurricane Irma

43 households applied for aid $38K aid approved

2005

Hurricane Wilma

6 households applied for aid

Monroe County has had 37 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. Big Coppitt Key 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 Big Coppitt Key’s own flood-insurance community; household aid to the registrant’s city; repair grants to Big Coppitt Key. 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.