Natural hazards · Gretna

Gretna, FL natural hazards

Most of the natural-hazard damage FEMA expects in Gretna comes from hurricanes, and overall the risk is high for a U.S. community. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Gretna?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gretna to be higher than in 70% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes32%Inland flooding28%Tornadoes14%Cold waves13%Drought5%Everything else9%

By hazard

What Gretna faces

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

Hurricanes

32% of expected damage

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

Recorded about once every 4 years in the area

Inland flooding

28% of expected damage

Above average · higher than 60% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

14% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once every 10 years in the area

Cold waves

13% of expected damage

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

Recorded about 2 times a year in the area

Drought

5% of expected damage

Recorded about 24 times a year in the area

Lower here

HailWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingIce stormsAvalanchesTsunamisVolcanic 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 Gretna flood?

FEMA's records show no paid flood insurance claims in Gretna.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Gadsden County.

What’s been done with FEMA grants

3buildings retrofitted against wind

Disasters that hit Gretna

6 federal disasters brought FEMA money here

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

Brought FEMA money into GretnaDeclared for Gadsden County only

2024

Hurricane Helene

$9K to the City of Gretna for repairs

2018

Hurricane Michael

334 households applied for aid $354K aid approved $126K to the City of Gretna for repairs

2009

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

$23K to the City of Gretna for repairs

2008

Tropical Storm Fay

20 households applied for aid $17K aid approved $10K to the City of Gretna for repairs

2005

Hurricane Dennis

$93K to the City of Gretna for repairs

2004

Hurricane Ivan

15 households applied for aid $42K aid approved

Gadsden County has had 30 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. Gretna 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 Gretna’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Gretna. 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.