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Natural hazards · Melbourne Beach

Melbourne Beach, FL natural hazards

Most of the natural-hazard damage FEMA expects in Melbourne Beach comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 50 claims here since 1984. 14 federal disasters brought FEMA money into town.

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

How exposed is Melbourne Beach?

87
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Melbourne Beach to be higher than in 87% of U.S. communities, mostly from hurricanes.

Hurricanes80%Inland flooding13%Everything else7%
By hazard

What Melbourne Beach faces

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

Hurricanes

80% of expected damage
Well above average · higher than 97% of U.S. places
Recorded about once every 3 years in the area

Inland flooding

13% of expected damage
Well below average · higher than 12% of U.S. places
Recorded about once a year in the area

Lower here

Coastal floodingTornadoesHailCold wavesHeat wavesEarthquakesLandslidesStrong windLightning

Not a risk here

Ice stormsWinter weatherWildfireDroughtAvalanchesTsunamisVolcanic 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 Melbourne Beach flood?

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

50paid claims since 1984
$993Kpaid to owners
3homes flooded more than once
19842026

Biggest named events

  • Tropical Storm Fay: 12 claims, $97K
  • Hurricane Jeanne: 9 claims, $266K
  • Hurricane Irma: 7 claims, $274K

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
🏷️ 10% off flood insurance. Melbourne Beach is in FEMA’s Community Rating System (class 8) for its flood-proofing work.
Insurance rates: Brevard County.

What’s been done with FEMA grants

3buildings retrofitted against wind
Disasters that hit Melbourne Beach

14 federal disasters brought FEMA money here

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

Brought FEMA money into Melbourne BeachDeclared for Brevard County only
2024

Hurricane Milton

72 households applied for aid $42K aid approved $86K to the Town of Melbourne Beach for repairs
2022

Hurricane Nicole

22 households applied for aid $58K aid approved $25K to the Town of Melbourne Beach for repairs
2022

Hurricane Ian

72 households applied for aid $83K aid approved $31K to the Town of Melbourne Beach for repairs
2019

Hurricane Dorian

$25K to the Town of Melbourne Beach for repairs
2017

Hurricane Irma

601 households applied for aid $220K aid approved $1.0M to the Town of Melbourne Beach for repairs
2016

Hurricane Matthew

89 households applied for aid $6K aid approved $111K to the Town of Melbourne Beach for repairs
2008

Tropical Storm Fay

27 households applied for aid $10K aid approved $53K to the Town of Melbourne Beach for repairs
2005

Hurricane Wilma

35 households applied for aid $17K aid approved $64K to the Town of Melbourne Beach for repairs
2004

Hurricane Jeanne

1,542 households applied for aid $1.4M aid approved $192K to the Town of Melbourne Beach for repairs
2004

Hurricane Ivan

20 households applied for aid
2004

Hurricane Frances

1,722 households applied for aid $1.2M aid approved $31K to the Town of Melbourne Beach for repairs
2004

Tropical Storm Bonnie and Hurricane Charley

13 households applied for aid $27K aid approved
1999

Fl-Hurricane Irene-Dr-Req

$130K to the Town of Melbourne Beach for repairs
1999

Hurricane Floyd Major Disaster Declarations

$190K to the Town of Melbourne Beach for repairs
Brevard County has had 35 natural disasters declared since 1953, most often hurricanes and fires.
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. Melbourne Beach covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Melbourne Beach’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Melbourne Beach. 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 Melbourne Beach total about $2.6M 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.

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