Natural hazards · Graceville

Graceville, FL natural hazards

Most of the natural-hazard damage FEMA expects in Graceville comes from hurricanes, and overall the risk is high for a U.S. community. Flood insurance has paid 6 claims here since 1985. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Graceville?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Graceville to be higher than in 74% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes55%Inland flooding23%Tornadoes6%Cold waves5%Everything else11%

By hazard

What Graceville faces

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

Hurricanes

55% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about once every 5 years in the area

Inland flooding

23% of expected damage

Well below average · higher than 22% of U.S. places

Recorded about once a year in the area

Tornadoes

6% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once every 62 years in the area

Cold waves

5% of expected damage

Above average · higher than 69% of U.S. places

Recorded about 2 times a year in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Graceville flood?

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

6paid claims since 1985

$80Kpaid to owners

2homes flooded more than once

19852026

Biggest named events

Hurricane Dennis: 1 claim, $17K
Hurricane Ivan: 1 claim, $29K
Tropical Storm Fay: 1 claim, $11K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Jackson County.

Disasters that hit Graceville

6 federal disasters brought FEMA money here

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

Brought FEMA money into GracevilleDeclared for Jackson County only

2022

Hurricane Ian

1 household applied for aid

2018

Hurricane Michael

502 households applied for aid $239K aid approved $83K to the City of Graceville for repairs

2014

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

10 households applied for aid $6K aid approved $72K to the City of Graceville for repairs

2009

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

13 households applied for aid $18K aid approved

2005

Hurricane Dennis

$4K to the City of Graceville for repairs

2004

Hurricane Ivan

63 households applied for aid $119K aid approved $6K to the City of Graceville for repairs

Jackson County has had 26 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. Graceville 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 Graceville’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Graceville. 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.