Natural hazards · Grove

Grove, FL natural hazards

Most of the natural-hazard damage FEMA expects in Grove comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 195 claims here since 1982. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Grove?

Very high

vs. U.S. communities

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

Hurricanes82%Inland flooding10%Everything else8%

By hazard

What Grove faces

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

Hurricanes

82% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once every 5 years in the area

Inland flooding

10% of expected damage

Well below average · higher than 4% of U.S. places

Recorded about once every 2 years in the area

Lower here

Coastal floodingTornadoesHailCold wavesHeat wavesWildfireEarthquakesStrong windLightning

Not a risk here

Ice stormsWinter weatherLandslidesDroughtAvalanchesTsunamisVolcanic 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 Grove flood?

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

195paid claims since 1982

$18.6Mpaid to owners

0homes flooded more than once

19822026

Biggest named events

Hurricane Milton: 78 claims, $8.3M
Hurricane Ian: 46 claims, $4.0M
Hurricane Helene: 44 claims, $6.1M

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Charlotte County.

Disasters that hit Grove

6 federal disasters brought FEMA money here

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

Brought FEMA money into GroveDeclared for Charlotte County only

2024

Hurricane Milton

20 households applied for aid $177K aid approved

2024

Hurricane Helene

4 households applied for aid $47K aid approved

2022

Hurricane Ian

30 households applied for aid $190K aid approved

2017

Hurricane Irma

7 households applied for aid

2004

Hurricane Frances

1 household applied for aid

2004

Tropical Storm Bonnie and Hurricane Charley

2 households applied for aid $814 aid approved

Charlotte County has had 35 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Grove

Grove and the towns around it

Very lowLowModerateHighVery high

Grove Citymostly hurricanesVery high

Englewoodmostly hurricanesVery high

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. Grove covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Grove’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Grove. 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 Grove total about $1.7M 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.