Christmas, FL natural hazards
Most of the natural-hazard damage FEMA expects in Christmas comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 3 claims here since 2022. 8 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is Christmas?
FEMA expects yearly storm and flood damage to homes and buildings in Christmas to be higher than in 62% of U.S. communities, mostly from inland flooding and hurricanes.
What Christmas faces
Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.
Inland flooding
Hurricanes
Cold waves
Strong wind
Wildfire
Tornadoes
Lower here
Not a risk here
Does Christmas flood?
Every paid claim on a federal flood insurance policy in Christmas, from FEMA’s records.
Biggest named events
- Hurricane Ian: 3 claims, $76K
are insured
are insured
What’s been done with FEMA grants
8 federal disasters brought FEMA money here
Disasters the President declared that paid out in Christmas itself: aid to households, or repair grants to Christmas.
Hurricane Milton
Hurricane Ian
Hurricane Irma
Tropical Storm Fay
Hurricane Jeanne
Hurricane Ivan
Hurricane Frances
Tropical Storm Bonnie and Hurricane Charley
How to read this page
FEMA’s expected losses across Christmas total about $2.1M 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.