Natural hazards · Esto

Esto, FL natural hazards

Most of the natural-hazard damage FEMA expects in Esto 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 Esto?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Esto to be higher than in 91% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes65%Inland flooding17%Tornadoes9%Everything else9%

By hazard

What Esto faces

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

Hurricanes

65% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once every 5 years in the area

Inland flooding

17% of expected damage

Below average · higher than 47% of U.S. places

Recorded about once a year in the area

Tornadoes

9% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about once every 11 years in the area

Lower here

HailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Esto flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Holmes County.

Disasters that hit Esto

4 federal disasters brought FEMA money here

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

Brought FEMA money into EstoDeclared for Holmes County only

2018

Hurricane Michael

$70K to the Town of Esto for repairs

2013

Severe Storms and Flooding

$9K to the Town of Esto for repairs

2009

Severe Storms, Flooding, Tornadoes, and Straight-Line Winds

$7K to the Town of Esto for repairs

2004

Hurricane Ivan

$13K to the Town of Esto for repairs

Holmes County has had 31 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. Esto 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 Esto’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Esto. 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.