Natural hazards · Bunnell

Bunnell, FL natural hazards

Most of the natural-hazard damage FEMA expects in Bunnell comes from hurricanes, and overall the risk is high for a U.S. community. Flood insurance has paid 11 claims here since 1994. 13 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Bunnell?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bunnell to be higher than in 73% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes47%Inland flooding32%Tornadoes8%Wildfire7%Everything else6%

By hazard

What Bunnell faces

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

Hurricanes

47% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about once every 4 years in the area

Inland flooding

32% of expected damage

Below average · higher than 43% of U.S. places

Recorded about once a year in the area

Tornadoes

8% of expected damage

Above average · higher than 56% of U.S. places

Recorded about once every 9 years in the area

Wildfire

7% of expected damage

Well above average · higher than 95% of U.S. places

Lower here

Coastal floodingHailCold wavesHeat wavesEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Ice stormsWinter weatherAvalanchesTsunamisVolcanic 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 Bunnell flood?

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

11paid claims since 1994

$244Kpaid to owners

0homes flooded more than once

19942026

Biggest named events

Hurricane Milton: 3 claims, $40K
Torrential rain: 1 claim, $38K
Tropical Storm Isidore: 1 claim, $3K

of all homes
are insured

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

Insurance rates: Flagler County.

What’s been done with FEMA grants

11buildings retrofitted against wind

Disasters that hit Bunnell

13 federal disasters brought FEMA money here

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

Brought FEMA money into BunnellDeclared for Flagler County only

2024

Hurricane Milton

745 households applied for aid $908K aid approved $113K to the City of Bunnell for repairs

2022

Hurricane Nicole

43 households applied for aid $83K aid approved

2022

Hurricane Ian

654 households applied for aid $622K aid approved $44K to the City of Bunnell for repairs

2017

Hurricane Irma

1,204 households applied for aid $816K aid approved $47K to the City of Bunnell for repairs

2016

Hurricane Matthew

429 households applied for aid $112K aid approved $169K to the City of Bunnell for repairs

2009

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

1 household applied for aid $2K aid approved $77K to the City of Bunnell for repairs

2008

Tropical Storm Fay

$15K to the City of Bunnell for repairs

2004

Hurricane Jeanne

183 households applied for aid $347K aid approved $19K to the City of Bunnell for repairs

2004

Hurricane Ivan

21 households applied for aid $1K aid approved

2004

Hurricane Frances

628 households applied for aid $563K aid approved $51K to the City of Bunnell for repairs

2004

Tropical Storm Bonnie and Hurricane Charley

113 households applied for aid $86K aid approved $7K to the City of Bunnell for repairs

2001

Severe Storms, Tornadoes and Flooding Associated With Tropical Storm Gabrielle

$13K to the City of Bunnell for repairs

1999

Hurricane Floyd Major Disaster Declarations

$6K to the City of Bunnell for repairs

Flagler County has had 28 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Bunnell

Bunnell and the towns around it

Very lowLowModerateHighVery high

Palm Coastmostly hurricanesHigh

Bunnellmostly hurricanesHigh

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. Bunnell covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Bunnell’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Bunnell. 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 Bunnell total about $5.3M 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.