Natural hazards · Callahan

Callahan, FL natural hazards

Most of the natural-hazard damage FEMA expects in Callahan comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 7 claims here since 1991. 9 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Callahan?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Callahan to be higher than in 61% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding57%Hurricanes23%Tornadoes7%Everything else13%

By hazard

What Callahan faces

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

Inland flooding

57% of expected damage

Above average · higher than 67% of U.S. places

Recorded about once every 2 years in the area

Hurricanes

23% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once every 4 years in the area

Tornadoes

7% of expected damage

Above average · higher than 52% 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 Callahan flood?

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

7paid claims since 1991

$268Kpaid to owners

1homes flooded more than once

19912026

Biggest named events

Hurricane Irma: 3 claims, $213K
Hurricane Elsa: 1 claim, $9K
Hurricane Josephine: 1 claim, $14K

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. Callahan isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Nassau County.

What’s been done with FEMA grants

6flood-prone properties bought out and cleared

Disasters that hit Callahan

9 federal disasters brought FEMA money here

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

Brought FEMA money into CallahanDeclared for Nassau County only

2024

Hurricane Milton

4 households applied for aid

2022

Hurricane Ian

1 household applied for aid

2017

Hurricane Irma

1,590 households applied for aid $1.0M aid approved $7K to the Town of Callahan for repairs

2016

Hurricane Matthew

50 households applied for aid $10K aid approved

2012

Tropical Storm Debby

27 households applied for aid $21K aid approved

2008

Tropical Storm Fay

110 households applied for aid $312K aid approved $9K to the Town of Callahan for repairs

2004

Hurricane Jeanne

73 households applied for aid $58K aid approved $7K to the Town of Callahan for repairs

2004

Hurricane Frances

88 households applied for aid $89K aid approved $450 to the Town of Callahan for repairs

1999

Hurricane Floyd Major Disaster Declarations

$9K to the Town of Callahan for repairs

Nassau County has had 31 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. Callahan 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 Callahan’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Callahan. 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.