Cedar Key, FL natural hazards
Most of the natural-hazard damage FEMA expects in Cedar Key comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 484 claims here since 1983. 11 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is Cedar Key?
FEMA expects yearly storm and flood damage to homes and buildings in Cedar Key to be higher than in 87% of U.S. communities, mostly from hurricanes and coastal flooding.
What Cedar Key faces
Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.
Hurricanes
Coastal flooding
Inland flooding
Lower here
Not a risk here
Does Cedar Key flood?
Every paid claim on a federal flood insurance policy in Cedar Key, from FEMA’s records.
Biggest named events
- Hurricane Helene: 118 claims, $13.9M
- Blizzard of 1993: 84 claims, $1.1M
- Hurricane Josephine: 77 claims, $945K
Homes that flooded again and again
Each house = 2 homes. ■ FEMA “severe repetitive loss” (27) ■ flooded 2+ times
are insured
are insured
What’s been done with FEMA grants
11 federal disasters brought FEMA money here
Disasters the President declared that paid out in Cedar Key itself: aid to households, or repair grants to the City of Cedar Key.
Hurricane Milton
Hurricane Helene
Hurricane Debby
Hurricane Idalia
Hurricane Irma
Hurricane Hermine
Tropical Storm Debby
Hurricane Dennis
Hurricane Jeanne
Hurricane Frances
Tropical Storm Bonnie and Hurricane Charley
How to read this page
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.