Natural hazards · Dickerson

Dickerson, FL natural hazards

Most of the natural-hazard damage FEMA expects in Dickerson comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 129 claims here since 2004.

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

Expected damage

How exposed is Dickerson?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Dickerson to be higher than in 89% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes53%Inland flooding18%Coastal flooding10%Tornadoes8%Everything else12%

By hazard

What Dickerson faces

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

Hurricanes

53% of expected damage

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

Recorded about once every 4 years in the area

Inland flooding

18% of expected damage

Below average · higher than 35% of U.S. places

Recorded about 2 times a year in the area

Coastal flooding

10% of expected damage

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

Tornadoes

8% of expected damage

Above average · higher than 66% of U.S. places

Recorded about once every 26 years in the area

Lower here

HailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 Dickerson flood?

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

129paid claims since 2004

$5.4Mpaid to owners

0homes flooded more than once

20042026

Biggest named events

Hurricane Sally: 99 claims, $2.7M
Hurricane Ivan: 29 claims, $2.7M

of homes in flood zones
are insured

of all homes
are insured

No community discount. Dickerson 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 Dickerson

Federal disasters declared here

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

Brought FEMA money into DickersonDeclared 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. Dickerson covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Dickerson’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Dickerson. 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 Dickerson total about $1.4M 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.