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Natural hazards · Flagler Beach

Flagler Beach, FL natural hazards

Most of the natural-hazard damage FEMA expects in Flagler Beach comes from hurricanes, and overall the risk is high for a U.S. community. Flood insurance has paid 986 claims here since 1984. 14 federal disasters brought FEMA money into town.

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

How exposed is Flagler Beach?

79
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Flagler Beach to be higher than in 79% of U.S. communities, mostly from hurricanes and coastal flooding.

Hurricanes39%Coastal flooding25%Inland flooding23%Tornadoes8%Everything else6%
By hazard

What Flagler Beach faces

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

Hurricanes

39% of expected damage
Well above average · higher than 93% of U.S. places
Recorded about once every 4 years in the area

Coastal flooding

25% of expected damage
Well above average · among the top 1% of U.S. places

Inland flooding

23% of expected damage
Below average · higher than 28% of U.S. places
Recorded about once a year in the area

Tornadoes

8% of expected damage
Above average · higher than 56% of U.S. places

Lower here

HailCold 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 Flagler Beach flood?

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

986paid claims since 1984
$64.9Mpaid to owners
199homes flooded more than once
19842026

Biggest named events

  • Hurricane Irma: 499 claims, $41.4M
  • Hurricane Nicole: 222 claims, $14.9M
  • Hurricane Ian: 81 claims, $4.3M

Homes that flooded again and again

Each house = 4 homes. ■ FEMA “severe repetitive loss” (48) ■ flooded 2+ times

of all homes
are insured
🏷️ 20% off flood insurance. Flagler Beach is in FEMA’s Community Rating System (class 6) for its flood-proofing work.
Insurance rates: Flagler County.

What’s been done with FEMA grants

4homes raised above flood level
3buildings retrofitted against wind
1buildings floodproofed
Disasters that hit Flagler Beach

14 federal disasters brought FEMA money here

Disasters the President declared that paid out in Flagler Beach itself: aid to households, or repair grants to the City of Flagler Beach.

Brought FEMA money into Flagler BeachDeclared for Flagler County only
2024

Hurricane Milton

416 households applied for aid $485K aid approved $286K to the City of Flagler Beach for repairs
2022

Hurricane Nicole

212 households applied for aid $379K aid approved $162K to the City of Flagler Beach for repairs
2022

Hurricane Ian

447 households applied for aid $594K aid approved $596K to the City of Flagler Beach for repairs
2019

Hurricane Dorian

$45K to the City of Flagler Beach for repairs
2017

Hurricane Irma

1,246 households applied for aid $2.4M aid approved $1.1M to the City of Flagler Beach for repairs
2016

Hurricane Matthew

761 households applied for aid $313K aid approved $13.0M to the City of Flagler Beach for repairs
2009

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

$7K to the City of Flagler Beach for repairs
2008

Tropical Storm Fay

$62K to the City of Flagler Beach for repairs
2004

Hurricane Jeanne

156 households applied for aid $140K aid approved $21K to the City of Flagler Beach for repairs
2004

Hurricane Ivan

16 households applied for aid $2K aid approved
2004

Hurricane Frances

551 households applied for aid $348K aid approved $101K to the City of Flagler Beach for repairs
2004

Tropical Storm Bonnie and Hurricane Charley

177 households applied for aid $61K aid approved $190K to the City of Flagler Beach for repairs
2001

Severe Storms, Tornadoes and Flooding Associated With Tropical Storm Gabrielle

$115K to the City of Flagler Beach for repairs
1999

Hurricane Floyd Major Disaster Declarations

$149K to the City of Flagler Beach for repairs
Flagler County has had 28 natural disasters declared since 1953, most often hurricanes and severe storms.
Around Flagler Beach

Flagler Beach and the towns around it

Palm Coast: High, mostly hurricanesBunnell: High, mostly hurricanesEspanola: High, mostly hurricanesFlagler Beach: High, mostly hurricanes Flagler BeachPalm Coast
Very lowLowModerateHighVery high
Flagler Beachmostly 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. Flagler Beach covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Flagler Beach’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Flagler Beach. 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 Flagler Beach total about $1.7M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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