Natural hazards · Fleming Island

Fleming Island, FL natural hazards

Most of the natural-hazard damage FEMA expects in Fleming Island comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 144 claims here since 1980. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Fleming Island?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fleming Island to be higher than in 63% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding65%Hurricanes16%Tornadoes9%Everything else10%

By hazard

What Fleming Island faces

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

Inland flooding

65% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about once every 2 years in the area

Hurricanes

16% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about once every 4 years in the area

Tornadoes

9% of expected damage

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

Lower here

Coastal floodingHailWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Ice stormsDroughtAvalanchesTsunamisVolcanic 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 Fleming Island flood?

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

144paid claims since 1980

$10.4Mpaid to owners

0homes flooded more than once

19802026

Biggest named events

Hurricane Irma: 121 claims, $9.6M
Hurricane Nicole: 8 claims, $525K
Hurricane Jeanne: 2 claims, $57K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Clay County.

Disasters that hit Fleming Island

5 federal disasters brought FEMA money here

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

Brought FEMA money into Fleming IslandDeclared for Clay County only

2024

Hurricane Milton

79 households applied for aid $5K aid approved

2017

Hurricane Irma

1,173 households applied for aid $567K aid approved

2012

Tropical Storm Debby

9 households applied for aid $5K aid approved

2008

Tropical Storm Fay

1 household applied for aid

2004

Hurricane Jeanne

1 household applied for aid $561 aid approved

Clay County has had 31 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Fleming Island

Fleming Island and the towns around it

Very lowLowModerateHighVery high

Fleming Islandmostly inland floodingHigh

Lakesidemostly inland floodingModerate

Jacksonvillemostly inland floodingModerate

Orange Parkmostly inland floodingLow

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. Fleming Island covers 5 census tracts, combined by population.

Money that reached townFlood claims are matched to Fleming Island’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Fleming Island. 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 Fleming Island total about $10.2M 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.