Laurel, FL natural hazards
Most of the natural-hazard damage FEMA expects in Laurel comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 46 claims here since 1982. 7 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is Laurel?
FEMA expects yearly storm and flood damage to homes and buildings in Laurel to be higher than in 88% of U.S. communities, mostly from hurricanes and inland flooding.
What Laurel faces
Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.
Hurricanes
Inland flooding
Lower here
Not a risk here
Does Laurel flood?
Every paid claim on a federal flood insurance policy in Laurel, from FEMA’s records.
Biggest named events
- Hurricane Helene: 18 claims, $2.0M
- Hurricane Milton: 8 claims, $216K
- Hurricane Ian: 5 claims, $284K
are insured
are insured
7 federal disasters brought FEMA money here
Disasters the President declared that paid out in Laurel itself: aid to households, or repair grants to Laurel.
Hurricane Milton
Hurricane Ian
Hurricane Irma
Tropical Storm Debby
Hurricane Jeanne
Hurricane Frances
Tropical Storm Bonnie and Hurricane Charley
Laurel and the towns around it
How to read this page
FEMA’s expected losses across Laurel total about $6.3M 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.