Natural hazards · Cobbtown

Cobbtown, FL natural hazards

Most of the natural-hazard damage FEMA expects in Cobbtown comes from hurricanes, and overall the risk is very high for a U.S. community.

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

Expected damage

How exposed is Cobbtown?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cobbtown to be higher than in 87% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes63%Inland flooding17%Tornadoes10%Everything else11%

By hazard

What Cobbtown faces

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

Hurricanes

63% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about once every 4 years in the area

Inland flooding

17% of expected damage

Below average · higher than 40% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

10% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once every 9 years in the area

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 Cobbtown flood?

FEMA's records show no paid flood insurance claims in Cobbtown.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Santa Rosa County.

Disasters that hit Cobbtown

Federal disasters declared here

None of the disasters declared for Santa Rosa County shows FEMA aid or repair money reaching Cobbtown itself in FEMA’s records.

Brought FEMA money into CobbtownDeclared for Santa Rosa County only

Santa Rosa County has had 36 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. Cobbtown 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 Cobbtown’s own flood-insurance community; household aid to the registrant’s city; repair grants to Cobbtown. 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.