Natural hazards · Cudjoe Key

Cudjoe Key, FL natural hazards

Most of the natural-hazard damage FEMA expects in Cudjoe Key comes from hurricanes, and overall the risk is very high for a U.S. community. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Cudjoe Key?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cudjoe Key to be higher than in 99% of U.S. communities, mostly from hurricanes and coastal flooding.

Hurricanes50%Coastal flooding43%Everything else6%

By hazard

What Cudjoe Key faces

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

Hurricanes

50% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 4 years in the area

Coastal flooding

43% of expected damage

Well above average · among the top 1% of U.S. places

Lower here

Inland 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 Cudjoe Key flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Monroe County.

What’s been done with FEMA grants

8buildings retrofitted against wind

Disasters that hit Cudjoe Key

4 federal disasters brought FEMA money here

Disasters the President declared that paid out in Cudjoe Key itself: aid to households, or repair grants to Cudjoe Key.

Brought FEMA money into Cudjoe KeyDeclared for Monroe County only

2022

Hurricane Ian

15 households applied for aid $11K aid approved

2017

Hurricane Irma

1,006 households applied for aid $1.9M aid approved

2005

Hurricane Wilma

285 households applied for aid $376K aid approved

2004

Tropical Storm Bonnie and Hurricane Charley

1 household applied for aid

Monroe County has had 37 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. Cudjoe Key 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 Cudjoe Key’s own flood-insurance community; household aid to the registrant’s city; repair grants to Cudjoe Key. 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.