Horseshoe Beach, FL natural hazards
Most of the natural-hazard damage FEMA expects in Horseshoe Beach comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 115 claims here since 1995. 13 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is Horseshoe Beach?
FEMA expects yearly storm and flood damage to homes and buildings in Horseshoe Beach to be higher than in 93% of U.S. communities, mostly from hurricanes and coastal flooding.
What Horseshoe Beach faces
Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.
Hurricanes
Coastal flooding
Inland flooding
Lower here
Not a risk here
Does Horseshoe Beach flood?
Every paid claim on a federal flood insurance policy in Horseshoe Beach, from FEMA’s records.
Biggest named events
- Hurricane Helene: 37 claims, $3.1M
- Hurricane Josephine: 29 claims, $554K
- Hurricane Idalia: 20 claims, $707K
Homes that flooded again and again
■ FEMA “severe repetitive loss” (6) ■ flooded 2+ times
are insured
are insured
What’s been done with FEMA grants
13 federal disasters brought FEMA money here
Disasters the President declared that paid out in Horseshoe Beach itself: aid to households, or repair grants to the Town of Horseshoe Beach.
Hurricane Milton
Hurricane Helene
Hurricane Debby
Hurricane Idalia
Hurricane Irma
Hurricane Hermine
Severe Storms, Flooding, Tornadoes, and Straight-Line Winds
Tropical Storm Fay
Hurricane Dennis
Hurricane Jeanne
Hurricane Ivan
Hurricane Frances
Tropical Storm Bonnie and Hurricane Charley
How to read this page
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.