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Natural hazards · Cocoa Beach

Cocoa Beach, FL natural hazards

Most of the natural-hazard damage FEMA expects in Cocoa Beach comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 103 claims here since 1979. 14 federal disasters brought FEMA money into town.

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

How exposed is Cocoa Beach?

84
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cocoa Beach to be higher than in 84% of U.S. communities, mostly from hurricanes.

Hurricanes80%Inland flooding11%Everything else9%
By hazard

What Cocoa Beach faces

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

Hurricanes

80% of expected damage
Well above average · higher than 96% of U.S. places
Recorded about once every 4 years in the area

Inland flooding

11% of expected damage
Well below average · higher than 4% of U.S. places
Recorded about once a year in the area

Lower here

Coastal floodingTornadoesHailCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Ice stormsWinter weatherDroughtAvalanchesTsunamisVolcanic 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 Cocoa Beach flood?

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

103paid claims since 1979
$1.9Mpaid to owners
3homes flooded more than once
19792026

Biggest named events

  • Tropical Storm Fay: 22 claims, $141K
  • Hurricane Irma: 18 claims, $875K
  • Hurricane Frances: 13 claims, $133K

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
🏷️ 05% off flood insurance. Cocoa Beach is in FEMA’s Community Rating System (class 9) for its flood-proofing work.
Insurance rates: Brevard County.

What’s been done with FEMA grants

1buildings retrofitted against wind
Disasters that hit Cocoa Beach

14 federal disasters brought FEMA money here

Disasters the President declared that paid out in Cocoa Beach itself: aid to households, or repair grants to the City of Cocoa Beach.

Brought FEMA money into Cocoa BeachDeclared for Brevard County only
2024

Hurricane Milton

249 households applied for aid $118K aid approved $293K to the City of Cocoa Beach for repairs
2022

Hurricane Nicole

38 households applied for aid $3K aid approved $79K to the City of Cocoa Beach for repairs
2022

Hurricane Ian

181 households applied for aid $46K aid approved $192K to the City of Cocoa Beach for repairs
2019

Hurricane Dorian

$138K to the City of Cocoa Beach for repairs
2017

Hurricane Irma

1,640 households applied for aid $486K aid approved $718K to the City of Cocoa Beach for repairs
2016

Hurricane Matthew

181 households applied for aid $31K aid approved $528K to the City of Cocoa Beach for repairs
2008

Tropical Storm Fay

46 households applied for aid $21K aid approved $108K to the City of Cocoa Beach for repairs
2005

Hurricane Wilma

14 households applied for aid $6K aid approved $44K to the City of Cocoa Beach for repairs
2004

Hurricane Jeanne

681 households applied for aid $662K aid approved $407K to the City of Cocoa Beach for repairs
2004

Hurricane Ivan

14 households applied for aid
2004

Hurricane Frances

1,335 households applied for aid $799K aid approved $514K to the City of Cocoa Beach for repairs
2004

Tropical Storm Bonnie and Hurricane Charley

50 households applied for aid $33K aid approved $4K to the City of Cocoa Beach for repairs
1999

Fl-Hurricane Irene-Dr-Req

$40K to the City of Cocoa Beach for repairs
1999

Hurricane Floyd Major Disaster Declarations

$29K to the City of Cocoa Beach for repairs
Brevard County has had 35 natural disasters declared since 1953, most often hurricanes and fires.
Around Cocoa Beach

Cocoa Beach and the towns around it

Merritt Island: Very high, mostly hurricanesCape Canaveral: Very high, mostly hurricanesSouth Patrick Shores: Very high, mostly hurricanesNorth Merritt Island: Very high, mostly hurricanesIndian Harbour Beach: Very high, mostly hurricanesRockledge: Very high, mostly hurricanesCocoa: Very high, mostly hurricanesMelbourne: Very high, mostly hurricanesCocoa Beach: Very high, mostly hurricanes Cocoa BeachMerritt IslandCape Canaveral
Very lowLowModerateHighVery high
Merritt Islandmostly hurricanesVery high
Cocoa Beachmostly hurricanesVery high
Cape Canaveralmostly 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. Cocoa Beach covers 3 census tracts, combined by population.
Money that reached townFlood claims are matched to Cocoa Beach’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Cocoa Beach. 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 Cocoa Beach total about $7.8M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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