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Natural hazards · Keystone Heights

Keystone Heights, FL natural hazards

Most of the natural-hazard damage FEMA expects in Keystone Heights comes from inland flooding, and overall the risk is moderate for a U.S. community. 9 federal disasters brought FEMA money into town.

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

How exposed is Keystone Heights?

53
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Keystone Heights to be higher than in 53% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding55%Hurricanes16%Tornadoes12%Wildfire9%Everything else9%
By hazard

What Keystone Heights faces

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

Inland flooding

55% of expected damage
Above average · higher than 58% of U.S. places
Recorded about once every 2 years in the area

Hurricanes

16% of expected damage
Well above average · higher than 84% of U.S. places
Recorded about once every 5 years in the area

Tornadoes

12% of expected damage
Above average · higher than 60% of U.S. places

Wildfire

9% of expected damage
Well above average · higher than 95% of U.S. places

Lower here

HailWinter weatherCold wavesHeat wavesEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingIce stormsDroughtAvalanchesTsunamisVolcanic 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 Keystone Heights flood?

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

of homes in flood zones
are insured
of all homes
are insured
No community discount. Keystone Heights isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Clay County.

What’s been done with FEMA grants

1buildings retrofitted against wind
Disasters that hit Keystone Heights

9 federal disasters brought FEMA money here

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

Brought FEMA money into Keystone HeightsDeclared for Clay County only
2024

Hurricane Milton

113 households applied for aid $151K aid approved
2024

Hurricane Helene

12 households applied for aid $1K aid approved
2017

Hurricane Irma

1,195 households applied for aid $720K aid approved $23K to the City of Keystone Heights for repairs
2016

Hurricane Matthew

$3K to the City of Keystone Heights for repairs
2012

Tropical Storm Debby

29 households applied for aid $10K aid approved
2008

Tropical Storm Fay

10 households applied for aid $3K aid approved
2004

Hurricane Jeanne

299 households applied for aid $278K aid approved $15K to the City of Keystone Heights for repairs
2004

Hurricane Ivan

18 households applied for aid $6K aid approved
2004

Hurricane Frances

528 households applied for aid $675K aid approved $10K to the City of Keystone Heights for repairs
Clay County has had 31 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. Keystone Heights 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 Keystone Heights’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Keystone Heights. 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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