Natural hazards · Fort Denaud

Fort Denaud, FL natural hazards

Most of the natural-hazard damage FEMA expects in Fort Denaud comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 7 claims here since 1992. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Fort Denaud?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fort Denaud to be higher than in 87% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding59%Hurricanes26%Lightning6%Everything else9%

By hazard

What Fort Denaud faces

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

Inland flooding

59% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once every 4 years in the area

Hurricanes

26% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once every 4 years in the area

Lightning

6% of expected damage

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

Lower here

Coastal floodingTornadoesHailCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windDrought

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 Fort Denaud flood?

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

7paid claims since 1992

$145Kpaid to owners

0homes flooded more than once

19922026

Biggest named events

Hurricane Irma: 3 claims, $21K
Tropical Storm Fay: 2 claims, $20K
Hurricane Ian: 1 claim, $70K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hendry County.

Disasters that hit Fort Denaud

4 federal disasters brought FEMA money here

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

Brought FEMA money into Fort DenaudDeclared for Hendry County only

2024

Hurricane Milton

9 households applied for aid $1K aid approved

2022

Hurricane Ian

63 households applied for aid $27K aid approved

2017

Hurricane Irma

99 households applied for aid $88K aid approved

2008

Tropical Storm Fay

5 households applied for aid $1K aid approved

Hendry County has had 30 natural disasters declared since 1953, most often hurricanes and fires.

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. Fort Denaud covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Fort Denaud’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Fort Denaud. 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 Fort Denaud total about $3.7M 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.