Natural hazards · Layton

Layton, FL natural hazards

Most of the natural-hazard damage FEMA expects in Layton comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 69 claims here since 1998. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Layton?

Very high

vs. U.S. communities

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

Hurricanes70%Coastal flooding22%Inland flooding6%Everything else2%

By hazard

What Layton faces

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

Hurricanes

70% of expected damage

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

Recorded about once every 4 years in the area

Coastal flooding

22% of expected damage

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

Inland flooding

6% of expected damage

Well below average · higher than 2% of U.S. places

Recorded about once every 2 years in the area

Lower here

TornadoesHailCold 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 Layton flood?

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

69paid claims since 1998

$3.7Mpaid to owners

2homes flooded more than once

19982026

Biggest named events

Hurricane Irma: 54 claims, $3.2M
Hurricane Wilma: 6 claims, $209K
Hurricane Georges (Keys): 6 claims, $78K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

🏷️ 25% off flood insurance. Layton is in FEMA’s Community Rating System (class 5) for its flood-proofing work.

Insurance rates: Monroe County.

What’s been done with FEMA grants

1buildings retrofitted against wind

Disasters that hit Layton

5 federal disasters brought FEMA money here

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

Brought FEMA money into LaytonDeclared for Monroe County only

2017

Hurricane Irma

37 households applied for aid $93K aid approved $15K to the City of Layton for repairs

2005

Hurricane Wilma

4 households applied for aid $2K aid approved $28K to the City of Layton for repairs

2005

Tropical Storm Rita

$2K to the City of Layton for repairs

2005

Hurricane Katrina

$13K to the City of Layton for repairs

2005

Hurricane Dennis

$4K to the City of Layton 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. Layton 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 Layton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Layton. 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.

Layton, FL natural hazards

How exposed is Layton?

What Layton faces

Hurricanes

Coastal flooding

Inland flooding

Lower here

Not a risk here

Does Layton flood?

Biggest named events

Homes that flooded again and again

What’s been done with FEMA grants

5 federal disasters brought FEMA money here

Hurricane Irma

Hurricane Wilma

Tropical Storm Rita

Hurricane Katrina

Hurricane Dennis

How to read this page

Where to, neighbor?

Matches

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