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Natural hazards · Espanola

Espanola, FL natural hazards

Most of the natural-hazard damage FEMA expects in Espanola comes from hurricanes, and overall the risk is high for a U.S. community. 3 federal disasters brought FEMA money into town.

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

How exposed is Espanola?

75
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Espanola to be higher than in 75% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes47%Inland flooding31%Wildfire8%Tornadoes8%Everything else6%
By hazard

What Espanola faces

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

Hurricanes

47% of expected damage
Well above average · higher than 93% of U.S. places
Recorded about once every 4 years in the area

Inland flooding

31% of expected damage
Below average · higher than 48% of U.S. places
Recorded about once a year in the area

Wildfire

8% of expected damage
Well above average · higher than 96% of U.S. places

Tornadoes

8% of expected damage
Above average · higher than 57% of U.S. places
Recorded about once every 5 years in the area

Lower here

Coastal floodingHailCold wavesHeat wavesEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Ice 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 Espanola flood?

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

of all homes
are insured
No community discount. Espanola isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Flagler County.
Disasters that hit Espanola

3 federal disasters brought FEMA money here

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

Brought FEMA money into EspanolaDeclared for Flagler County only
2004

Hurricane Jeanne

3 households applied for aid $3K aid approved
2004

Hurricane Frances

3 households applied for aid $2K aid approved
2004

Tropical Storm Bonnie and Hurricane Charley

2 households applied for aid $2K aid approved
Flagler County has had 28 natural disasters declared since 1953, most often hurricanes and severe storms.
Around Espanola

Espanola and the towns around it

Palm Coast: High, mostly hurricanesBunnell: High, mostly hurricanesFlagler Beach: High, mostly hurricanesEspanola: High, mostly hurricanes EspanolaPalm Coast
Very lowLowModerateHighVery high
Espanolamostly hurricanesHigh
Palm Coastmostly 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. Espanola 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 Espanola’s own flood-insurance community; household aid to the registrant’s city; repair grants to Espanola. 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/19 · 2025-01-01
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