Natural hazards · Fruit Cove

Fruit Cove, FL natural hazards

Most of the natural-hazard damage FEMA expects in Fruit Cove comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 64 claims here since 1979. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Fruit Cove?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fruit Cove to be higher than in 62% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding63%Hurricanes23%Tornadoes7%Everything else8%

By hazard

What Fruit Cove faces

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

Inland flooding

63% of expected damage

Above average · higher than 70% of U.S. places

Recorded about 2 times a year in the area

Hurricanes

23% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once every 4 years in the area

Tornadoes

7% of expected damage

Above average · higher than 53% of U.S. places

Lower here

Coastal floodingHailCold 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 Fruit Cove flood?

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

64paid claims since 1979

$4.2Mpaid to owners

0homes flooded more than once

19792026

Biggest named events

Hurricane Irma: 29 claims, $3.2M
Hurricane Matthew: 3 claims, $270K
Hurricane Jeanne: 2 claims, $23K

of all homes
are insured

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

Insurance rates: St. Johns County.

What’s been done with FEMA grants

1buildings retrofitted against wind

Disasters that hit Fruit Cove

5 federal disasters brought FEMA money here

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

Brought FEMA money into Fruit CoveDeclared for St. Johns County only

2022

Hurricane Ian

4 households applied for aid

2017

Hurricane Irma

28 households applied for aid $9K aid approved

2016

Hurricane Matthew

3 households applied for aid

2004

Hurricane Jeanne

6 households applied for aid $3K aid approved

2004

Hurricane Frances

7 households applied for aid $4K aid approved

St. Johns County has had 25 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Fruit Cove

Fruit Cove and the towns around it

Very lowLowModerateHighVery high

Fruit Covemostly inland floodingHigh

Jacksonvillemostly inland floodingModerate

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. Fruit Cove covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Fruit Cove’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Fruit Cove. 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 Fruit Cove total about $8.0M 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.