Natural hazards · Mayo

Mayo, FL natural hazards

Most of the natural-hazard damage FEMA expects in Mayo comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 20 claims here since 1983. 10 federal disasters brought FEMA money into town.

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

How exposed is Mayo?

86
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Mayo to be higher than in 86% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes56%Inland flooding27%Cold waves6%Everything else11%
By hazard

What Mayo faces

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

Hurricanes

56% of expected damage
Well above average · higher than 95% of U.S. places
Recorded about once every 4 years in the area

Inland flooding

27% of expected damage
Above average · higher than 72% of U.S. places
Recorded about once every 2 years in the area

Cold waves

6% of expected damage
Well above average · higher than 90% of U.S. places
Recorded about once a year in the area

Lower here

Coastal floodingTornadoesHailWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Ice stormsAvalanchesTsunamisVolcanic 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 Mayo flood?

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

20paid claims since 1983
$601Kpaid to owners
6homes flooded more than once
19832026

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

What’s been done with FEMA grants

2buildings retrofitted against wind
1flood-prone properties bought out and cleared
Disasters that hit Mayo

10 federal disasters brought FEMA money here

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

Brought FEMA money into MayoDeclared for Lafayette County only
2024

Hurricane Milton

8 households applied for aid
2024

Hurricane Helene

860 households applied for aid $1.9M aid approved $18K to the Town of Mayo for repairs
2024

Hurricane Debby

458 households applied for aid $881K aid approved $6K to the Town of Mayo for repairs
2023

Hurricane Idalia

1,595 households applied for aid $1.8M aid approved $48K to the Town of Mayo for repairs
2022

Hurricane Ian

1 household applied for aid
2017

Hurricane Irma

814 households applied for aid $271K aid approved $17K to the Town of Mayo for repairs
2012

Tropical Storm Debby

38 households applied for aid $55K aid approved
2009

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

42 households applied for aid $83K aid approved
2004

Hurricane Jeanne

61 households applied for aid $71K aid approved
2004

Hurricane Frances

2 households applied for aid $6K aid approved
Lafayette 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. Mayo 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 Mayo’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Mayo. 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01