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Natural hazards · Key Colony Beach

Key Colony Beach, FL natural hazards

Most of the natural-hazard damage FEMA expects in Key Colony Beach comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 644 claims here since 1980. 8 federal disasters brought FEMA money into town.

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

How exposed is Key Colony Beach?

93
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Key Colony Beach to be higher than in 93% of U.S. communities, mostly from hurricanes and coastal flooding.

Hurricanes73%Coastal flooding21%Everything else6%
By hazard

What Key Colony Beach faces

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

Hurricanes

73% of expected damage
Well above average · higher than 98% of U.S. places
Recorded about once every 4 years in the area

Coastal flooding

21% of expected damage
Well above average · among the top 1% of U.S. places

Lower here

Inland 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 Key Colony Beach flood?

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

644paid claims since 1980
$41.1Mpaid to owners
23homes flooded more than once
19802026

Biggest named events

  • Hurricane Irma: 456 claims, $36.6M
  • Hurricane Georges (Keys): 100 claims, $2.1M
  • Hurricane Irene: 23 claims, $245K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (7) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
🏷️ 20% off flood insurance. Key Colony Beach is in FEMA’s Community Rating System (class 6) for its flood-proofing work.
Insurance rates: Monroe County.

What’s been done with FEMA grants

3buildings floodproofed
2buildings retrofitted against wind
Disasters that hit Key Colony Beach

8 federal disasters brought FEMA money here

Disasters the President declared that paid out in Key Colony Beach itself: aid to households, or repair grants to the City of Key Colony Beach.

Brought FEMA money into Key Colony BeachDeclared for Monroe County only
2017

Hurricane Irma

499 households applied for aid $1.1M aid approved $2.1M to the City of Key Colony Beach for repairs
2012

Hurricane Isaac

$18K to the City of Key Colony Beach for repairs
2008

Tropical Storm Fay

$34K to the City of Key Colony Beach for repairs
2005

Hurricane Wilma

15 households applied for aid $8K aid approved $212K to the City of Key Colony Beach for repairs
2005

Tropical Storm Rita

$36K to the City of Key Colony Beach for repairs
2005

Hurricane Katrina

$22K to the City of Key Colony Beach for repairs
2005

Hurricane Dennis

$49K to the City of Key Colony Beach for repairs
1999

Fl-Hurricane Irene-Dr-Req

$30K to the City of Key Colony Beach for repairs
Monroe County has had 37 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. Key Colony Beach 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 Key Colony Beach’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Key Colony Beach. 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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