Natural hazards · Jacob

Jacob, FL natural hazards

Most of the natural-hazard damage FEMA expects in Jacob comes from hurricanes, and overall the risk is very high for a U.S. community.

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

Expected damage

How exposed is Jacob?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Jacob to be higher than in 80% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes48%Inland flooding26%Cold waves7%Everything else19%

By hazard

What Jacob faces

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

Hurricanes

48% of expected damage

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

Recorded about once every 5 years in the area

Inland flooding

26% of expected damage

Above average · higher than 51% of U.S. places

Recorded about once a year in the area

Cold waves

7% of expected damage

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

Recorded about 2 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Jacob flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Jackson County.

Disasters that hit Jacob

Federal disasters declared here

None of the disasters declared for Jackson County shows FEMA aid or repair money reaching Jacob itself in FEMA’s records.

Brought FEMA money into JacobDeclared for Jackson County only

Jackson County has had 26 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. Jacob 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 Jacob’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Jacob. 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.