Natural hazards · Malone

Malone, FL natural hazards

Most of the natural-hazard damage FEMA expects in Malone comes from hurricanes, and overall the risk is very high for a U.S. community. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Malone?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Malone to be higher than in 83% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes45%Inland flooding27%Cold waves8%Drought7%Everything else14%

By hazard

What Malone faces

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

Hurricanes

45% of expected damage

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

Recorded about once every 5 years in the area

Inland flooding

27% of expected damage

Above average · higher than 66% of U.S. places

Recorded about once a year in the area

Cold waves

8% of expected damage

Above average · higher than 69% of U.S. places

Recorded about 2 times a year in the area

Drought

7% of expected damage

Recorded about 30 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Malone flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Jackson County.

Disasters that hit Malone

5 federal disasters brought FEMA money here

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

Brought FEMA money into MaloneDeclared for Jackson County only

2022

Hurricane Ian

1 household applied for aid

2018

Hurricane Michael

283 households applied for aid $440K aid approved $135K to the Town of Malone for repairs

2014

Severe Storms, Tornadoes, Straight-Line Winds, and Flooding

26 households applied for aid $41K aid approved $64K to the Town of Malone for repairs

2009

Severe Storms, Flooding, Tornadoes, and Straight-Line Winds

1 household applied for aid $1K aid approved

2004

Hurricane Ivan

9 households applied for aid $17K aid approved

Jackson County has had 26 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. Malone covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Malone’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Malone. 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 Malone total about $1.8M 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.