Natural hazards · Monticello

Monticello, FL natural hazards

Most of the natural-hazard damage FEMA expects in Monticello comes from hurricanes, and overall the risk is high for a U.S. community. 8 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Monticello?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Monticello to be higher than in 71% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes39%Inland flooding27%Tornadoes14%Cold waves12%Everything else9%

By hazard

What Monticello faces

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

Hurricanes

39% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about once every 4 years in the area

Inland flooding

27% of expected damage

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

Recorded about once every 3 years in the area

Tornadoes

14% of expected damage

Above average · higher than 67% of U.S. places

Recorded about once every 52 years in the area

Cold waves

12% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once a year in the area

Lower here

HailWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingIce 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 Monticello flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Jefferson County.

What’s been done with FEMA grants

2buildings retrofitted against wind

Disasters that hit Monticello

8 federal disasters brought FEMA money here

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

Brought FEMA money into MonticelloDeclared for Jefferson County only

2024

Hurricane Helene

1,084 households applied for aid $1.5M aid approved $12K to the City of Monticello for repairs

2024

Hurricane Debby

700 households applied for aid $825K aid approved $61K to the City of Monticello for repairs

2023

Hurricane Idalia

1,022 households applied for aid $714K aid approved $92K to the City of Monticello for repairs

2018

Hurricane Michael

$56K to the City of Monticello for repairs

2017

Hurricane Irma

$45K to the City of Monticello for repairs

2016

Hurricane Hermine

$26K to the City of Monticello for repairs

2008

Tropical Storm Fay

73 households applied for aid $122K aid approved $26K to the City of Monticello for repairs

2004

Hurricane Jeanne

132 households applied for aid $251K aid approved

Jefferson County has had 32 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. Monticello 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 Monticello’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Monticello. 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.