Natural hazards · Cedar Grove

Cedar Grove, FL natural hazards

Most of the natural-hazard damage FEMA expects in Cedar Grove comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 156 claims here since 1982.

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

Expected damage

How exposed is Cedar Grove?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cedar Grove to be higher than in 92% of U.S. communities, mostly from hurricanes.

Hurricanes77%Inland flooding9%Tornadoes7%Everything else7%

By hazard

What Cedar Grove faces

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

Hurricanes

77% of expected damage

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

Recorded about once every 4 years in the area

Inland flooding

9% of expected damage

Well below average · higher than 7% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

7% of expected damage

Above average · higher than 65% of U.S. places

Lower here

Coastal floodingHailWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Ice stormsDroughtAvalanchesTsunamisVolcanic 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 Cedar Grove flood?

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

156paid claims since 1982

$3.7Mpaid to owners

0homes flooded more than once

19822026

Biggest named events

Hurricane Michael: 65 claims, $1.9M
Tropical Storm Fred: 7 claims, $208K
Hurricane Opal: 7 claims, $288K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Bay County.

What’s been done with FEMA grants

2flood-prone properties bought out and cleared

Disasters that hit Cedar Grove

Federal disasters declared here

None of the disasters declared for Bay County shows FEMA aid or repair money reaching Cedar Grove itself in FEMA’s records.

Brought FEMA money into Cedar GroveDeclared for Bay County only

Bay County has had 40 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Cedar Grove

Cedar Grove and the towns around it

Very lowLowModerateHighVery high

Lynn Havenmostly hurricanesVery high

Springfieldmostly hurricanesVery high

Cedar Grovemostly hurricanesVery high

Panama Citymostly hurricanesVery high

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. Cedar Grove covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Cedar Grove’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Cedar Grove. 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 Cedar Grove total about $8.0M 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.