Natural hazards · Hosford

Hosford, FL natural hazards

Most of the natural-hazard damage FEMA expects in Hosford comes from hurricanes, and overall the risk is very high for a U.S. community. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Hosford?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hosford to be higher than in 88% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes47%Inland flooding21%Lightning10%Tornadoes8%Cold waves7%Everything else7%

By hazard

What Hosford faces

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

Hurricanes

47% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about once every 4 years in the area

Inland flooding

21% of expected damage

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

Recorded about once every 7 years in the area

Lightning

10% of expected damage

Well above average · higher than 93% of U.S. places

Tornadoes

8% of expected damage

Above average · higher than 66% of U.S. places

Recorded about once every 4 years in the area

Cold waves

7% of expected damage

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

Recorded about once a year in the area

Lower here

Coastal floodingHailWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windDrought

Not a risk here

Ice 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 Hosford flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Liberty County.

What’s been done with FEMA grants

3buildings retrofitted against wind

Disasters that hit Hosford

4 federal disasters brought FEMA money here

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

Brought FEMA money into HosfordDeclared for Liberty County only

2018

Hurricane Michael

248 households applied for aid $148K aid approved

2009

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

10 households applied for aid $36K aid approved

2008

Tropical Storm Fay

5 households applied for aid $29K aid approved

2004

Hurricane Ivan

4 households applied for aid $33K aid approved

Liberty County has had 32 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. Hosford 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 Hosford’s own flood-insurance community; household aid to the registrant’s city; repair grants to Hosford. 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.