Natural hazards · Five Points

Five Points, FL natural hazards

Most of the natural-hazard damage FEMA expects in Five Points comes from inland flooding, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Five Points?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Five Points to be higher than in 65% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding41%Hurricanes30%Tornadoes8%Lightning6%Everything else15%

By hazard

What Five Points faces

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

Inland flooding

41% of expected damage

Above average · higher than 58% of U.S. places

Recorded about once every 2 years in the area

Hurricanes

30% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about once every 4 years in the area

Tornadoes

8% of expected damage

Above average · higher than 54% of U.S. places

Recorded about once every 43 years in the area

Lightning

6% of expected damage

Well above average · higher than 84% of U.S. places

Lower here

HailWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windDrought

Not a risk here

Coastal floodingIce stormsAvalanchesTsunamisVolcanic 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 Five Points flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Columbia County.

Disasters that hit Five Points

Federal disasters declared here

None of the disasters declared for Columbia County shows FEMA aid or repair money reaching Five Points itself in FEMA’s records.

Brought FEMA money into Five PointsDeclared for Columbia County only

Columbia County has had 30 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. Five Points 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 Five Points’s own flood-insurance community; household aid to the registrant’s city; repair grants to Five Points. 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.