Natural hazards · Limestone

Limestone, FL natural hazards

Most of the natural-hazard damage FEMA expects in Limestone comes from strong winds, and overall the risk is very high for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Limestone?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Limestone to be higher than in 95% of U.S. communities, mostly from strong winds and hurricanes.

Strong wind40%Hurricanes33%Cold waves9%Inland flooding8%Everything else10%

By hazard

What Limestone faces

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

Strong wind

40% of expected damage

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

Recorded about once a year in the area

Hurricanes

33% of expected damage

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

Recorded about once every 4 years in the area

Cold waves

9% of expected damage

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

Recorded about 4 times a year in the area

Inland flooding

8% of expected damage

Below average · higher than 47% of U.S. places

Recorded about once a year in the area

Lower here

TornadoesHailHeat wavesWildfireEarthquakesLandslidesLightningDrought

Not a risk here

Coastal floodingIce stormsWinter weatherAvalanchesTsunamisVolcanic 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 Limestone flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Limestone isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Hardee County.

Disasters that hit Limestone

1 federal disaster brought FEMA money here

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

Brought FEMA money into LimestoneDeclared for Hardee County only

2004

Tropical Storm Bonnie and Hurricane Charley

1 household applied for aid $6K aid approved

Hardee County has had 29 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. Limestone 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 Limestone’s own flood-insurance community; household aid to the registrant’s city; repair grants to Limestone. 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.