Natural hazards · Hilliard

Hilliard, FL natural hazards

Most of the natural-hazard damage FEMA expects in Hilliard comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2016. 8 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Hilliard?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hilliard to be higher than in 36% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding38%Hurricanes32%Tornadoes10%Heat waves6%Earthquakes5%Everything else9%

By hazard

What Hilliard faces

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

Inland flooding

38% of expected damage

Well below average · higher than 23% of U.S. places

Recorded about once every 2 years in the area

Hurricanes

32% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 3 years in the area

Tornadoes

10% of expected damage

Above average · higher than 52% of U.S. places

Recorded about once every 89 years in the area

Heat waves

6% of expected damage

Below average · higher than 41% of U.S. places

Recorded about 4 times a year in the area

Earthquakes

5% of expected damage

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

Lower here

Coastal floodingHailIce stormsWinter weatherCold wavesWildfireLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 Hilliard flood?

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

1paid claims since 2016

$1Kpaid to owners

0homes flooded more than once

20162026

Biggest named events

Hurricane Matthew: 1 claim, $1K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Nassau County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Hilliard

8 federal disasters brought FEMA money here

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

Brought FEMA money into HilliardDeclared for Nassau County only

2024

Hurricane Milton

5 households applied for aid

2017

Hurricane Irma

722 households applied for aid $364K aid approved $1.2M to the Town of Hilliard for repairs

2016

Hurricane Matthew

19 households applied for aid $5K aid approved $28K to the Town of Hilliard for repairs

2012

Tropical Storm Debby

22 households applied for aid $93K aid approved

2008

Tropical Storm Fay

32 households applied for aid $46K aid approved $9K to the Town of Hilliard for repairs

2004

Hurricane Jeanne

32 households applied for aid $19K aid approved $6K to the Town of Hilliard for repairs

2004

Hurricane Frances

56 households applied for aid $48K aid approved $21K to the Town of Hilliard for repairs

2004

Tropical Storm Bonnie and Hurricane Charley

$1K to the Town of Hilliard for repairs

Nassau County has had 31 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. Hilliard 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 Hilliard’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Hilliard. 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.

Hilliard, FL natural hazards

How exposed is Hilliard?

What Hilliard faces

Inland flooding

Hurricanes

Tornadoes

Heat waves

Earthquakes

Lower here

Not a risk here

Does Hilliard flood?

Biggest named events

What’s been done with FEMA grants

8 federal disasters brought FEMA money here

Hurricane Milton

Hurricane Irma

Hurricane Matthew

Tropical Storm Debby

Tropical Storm Fay

Hurricane Jeanne

Hurricane Frances

Tropical Storm Bonnie and Hurricane Charley

How to read this page

Where to, neighbor?

Matches

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