Natural hazards · Laguna Beach

Laguna Beach, FL natural hazards

Most of the natural-hazard damage FEMA expects in Laguna Beach comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 28 claims here since 1995.

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

Expected damage

How exposed is Laguna Beach?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Laguna Beach to be higher than in 94% of U.S. communities, mostly from hurricanes.

Hurricanes81%Inland flooding11%Everything else8%

By hazard

What Laguna Beach faces

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

Hurricanes

81% of expected damage

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

Recorded about once every 4 years in the area

Inland flooding

11% of expected damage

Well below average · higher than 17% of U.S. places

Recorded about 2 times a year in the area

Lower here

Coastal floodingTornadoesHailWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Ice 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 Laguna Beach flood?

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

28paid claims since 1995

$722Kpaid to owners

0homes flooded more than once

19952026

Biggest named events

Hurricane Sally: 13 claims, $352K
Hurricane Opal: 5 claims, $137K
Hurricane Ivan: 2 claims, $88K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Laguna 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: Bay County.

Disasters that hit Laguna Beach

Federal disasters declared here

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

Brought FEMA money into Laguna BeachDeclared for Bay County only

Bay County has had 40 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. Laguna Beach covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Laguna Beach’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Laguna 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 Laguna Beach total about $6.1M 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.