Natural hazards · Cooper

Cooper, FL natural hazards

Most of the natural-hazard damage FEMA expects in Cooper comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 230 claims here since 1979. 10 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Cooper?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cooper to be higher than in 86% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding62%Hurricanes31%Everything else7%

By hazard

What Cooper faces

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

Inland flooding

62% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 2 times a year in the area

Hurricanes

31% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about once every 3 years in the area

Lower here

TornadoesHailCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingIce stormsWinter weatherAvalanchesTsunamisVolcanic 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 Cooper flood?

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

230paid claims since 1979

$1.0Mpaid to owners

6homes flooded more than once

19792026

Biggest named events

Hurricane Irene: 128 claims, $333K
Hurricane Wilma: 11 claims, $161K
Hurricane Eta: 10 claims, $85K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (2) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

🏷️ 20% off flood insurance. Cooper is in FEMA’s Community Rating System (class 6) for its flood-proofing work.

Insurance rates: Broward County.

What’s been done with FEMA grants

3buildings retrofitted against wind

Disasters that hit Cooper

10 federal disasters brought FEMA money here

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

Brought FEMA money into CooperDeclared for Broward County only

2024

Hurricane Milton

3 households applied for aid

2023

Severe Storms, Tornadoes, and Flooding

34 households applied for aid $6K aid approved

2019

Hurricane Dorian

$15K to the City of Cooper for repairs

2017

Hurricane Irma

2,361 households applied for aid $556K aid approved $3.4M to the City of Cooper for repairs

2016

Hurricane Matthew

$29K to the City of Cooper for repairs

2005

Hurricane Wilma

2,492 households applied for aid $929K aid approved $8.4M to the City of Cooper for repairs

2005

Hurricane Katrina

$595K to the City of Cooper for repairs

2004

Hurricane Frances

84 households applied for aid $43K aid approved $261K to the City of Cooper for repairs

1999

Fl-Hurricane Irene-Dr-Req

$97K to the City of Cooper for repairs

1999

Hurricane Floyd Emergency Declarations

$6K to the City of Cooper for repairs

Broward County has had 34 natural disasters declared since 1953, most often hurricanes and freezes.

Around Cooper

Cooper and the towns around it

Very lowLowModerateHighVery high

Cooper Citymostly inland floodingVery high

Daviemostly inland floodingVery high

Southwest Ranchesmostly inland floodingHigh

Pembroke Pinesmostly hurricanesHigh

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. Cooper covers 6 census tracts, combined by population.

Money that reached townFlood claims are matched to Cooper’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Cooper. 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 Cooper total about $14.9M 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.