Natural hazards · Jensen Beach

Jensen Beach, FL natural hazards

Most of the natural-hazard damage FEMA expects in Jensen Beach comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 101 claims here since 1979. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Jensen Beach?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Jensen Beach to be higher than in 90% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes79%Inland flooding15%Everything else6%

By hazard

What Jensen Beach faces

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

Hurricanes

79% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about once every 3 years in the area

Inland flooding

15% of expected damage

Below average · higher than 28% of U.S. places

Recorded about once every 2 years in the area

Lower here

Coastal floodingTornadoesHailCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Ice stormsWinter weatherDroughtAvalanchesTsunamisVolcanic 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 Jensen Beach flood?

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

101paid claims since 1979

$2.4Mpaid to owners

0homes flooded more than once

19792026

Biggest named events

Hurricane Jeanne: 23 claims, $1.0M
Hurricane Frances: 16 claims, $443K
Tropical Storm Fay: 13 claims, $360K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Martin County.

What’s been done with FEMA grants

10buildings retrofitted against wind

2homes raised above flood level

Disasters that hit Jensen Beach

7 federal disasters brought FEMA money here

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

Brought FEMA money into Jensen BeachDeclared for Martin County only

2024

Hurricane Milton

334 households applied for aid $66K aid approved

2017

Hurricane Irma

1,263 households applied for aid $367K aid approved

2008

Tropical Storm Fay

50 households applied for aid $116K aid approved

2005

Hurricane Wilma

1,000 households applied for aid $715K aid approved

2004

Hurricane Jeanne

3,467 households applied for aid $4.4M aid approved

2004

Hurricane Ivan

56 households applied for aid $7K aid approved

2004

Hurricane Frances

3,595 households applied for aid $3.5M aid approved

Martin County has had 32 natural disasters declared since 1953, most often hurricanes and fires.

Around Jensen Beach

Jensen Beach and the towns around it

Very lowLowModerateHighVery high

Sewall's Pointmostly hurricanesVery high

Port St. Luciemostly hurricanesVery high

Jensen Beachmostly hurricanesVery high

Ocean Breezemostly hurricanesVery high

Riomostly hurricanesVery high

Stuartmostly 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. Jensen Beach covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Jensen Beach’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Jensen Beach. 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 Jensen Beach total about $12.1M 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.