Natural hazards · Branford

Branford, FL natural hazards

Most of the natural-hazard damage FEMA expects in Branford comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 24 claims here since 1984. 10 federal disasters brought FEMA money into town.

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

How exposed is Branford?

88
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Branford to be higher than in 88% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes44%Inland flooding42%Cold waves5%Everything else9%
By hazard

What Branford faces

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

Hurricanes

44% of expected damage
Well above average · higher than 94% of U.S. places
Recorded about once every 5 years in the area

Inland flooding

42% of expected damage
Well above average · higher than 89% of U.S. places
Recorded about once every 2 years in the area

Cold waves

5% of expected damage
Well above average · higher than 80% of U.S. places
Recorded about 2 times a year in the area

Lower here

TornadoesHailWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingIce stormsAvalanchesTsunamisVolcanic 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 Branford flood?

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

24paid claims since 1984
$133Kpaid to owners
3homes flooded more than once
19842026

Biggest named events

  • Hurricane Jeanne: 1 claim, $3K

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

What’s been done with FEMA grants

1homes raised above flood level
Disasters that hit Branford

10 federal disasters brought FEMA money here

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

Brought FEMA money into BranfordDeclared for Suwannee County only
2024

Hurricane Helene

626 households applied for aid $1.4M aid approved
2024

Hurricane Debby

369 households applied for aid $712K aid approved
2023

Hurricane Idalia

922 households applied for aid $634K aid approved $32K to the Town of Branford for repairs
2017

Hurricane Irma

687 households applied for aid $215K aid approved $32K to the Town of Branford for repairs
2016

Hurricane Hermine

2 households applied for aid
2012

Tropical Storm Debby

56 households applied for aid $60K aid approved
2009

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

68 households applied for aid $141K aid approved
2004

Hurricane Jeanne

178 households applied for aid $334K aid approved
2004

Hurricane Frances

135 households applied for aid $199K aid approved
2004

Tropical Storm Bonnie and Hurricane Charley

2 households applied for aid $3K aid approved
Suwannee County has had 30 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. Branford 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 Branford’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Branford. 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.

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