Melbourne, FL natural hazards
Most of the natural-hazard damage FEMA expects in Melbourne comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 13 claims here since 1982. 10 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is Melbourne?
FEMA expects yearly storm and flood damage to homes and buildings in Melbourne to be higher than in 90% of U.S. communities, mostly from hurricanes and inland flooding.
What Melbourne faces
Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.
Hurricanes
Inland flooding
Lower here
Not a risk here
Does Melbourne flood?
Every paid claim on a federal flood insurance policy in Melbourne, from FEMA’s records.
Biggest named events
- Tropical Storm Fay: 6 claims, $112K
- Hurricane Irma: 4 claims, $148K
Homes that flooded again and again
■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times
are insured
are insured
10 federal disasters brought FEMA money here
Disasters the President declared that paid out in Melbourne itself: aid to households, or repair grants to the Town of Melbourne.
Hurricane Milton
Hurricane Nicole
Hurricane Ian
Hurricane Irma
Hurricane Matthew
Tropical Storm Fay
Hurricane Jeanne
Hurricane Frances
Tropical Storm Bonnie and Hurricane Charley
Hurricane Floyd Major Disaster Declarations
Melbourne and the towns around it
How to read this page
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.