Natural hazards · Mulat

Mulat, FL natural hazards

Most of the natural-hazard damage FEMA expects in Mulat comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 13 claims here since 2014.

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

Expected damage

How exposed is Mulat?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Mulat to be higher than in 89% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes55%Inland flooding26%Tornadoes8%Everything else11%

By hazard

What Mulat faces

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

Hurricanes

55% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about once every 4 years in the area

Inland flooding

26% of expected damage

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

Recorded about 2 times a year in the area

Tornadoes

8% of expected damage

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

Lower here

Coastal floodingHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 Mulat flood?

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

13paid claims since 2014

$720Kpaid to owners

0homes flooded more than once

20142026

Biggest named events

Hurricane Sally: 12 claims, $717K
Mid-spring storms: 1 claim, $3K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Santa Rosa County.

Disasters that hit Mulat

Federal disasters declared here

None of the disasters declared for Santa Rosa County shows FEMA aid or repair money reaching Mulat itself in FEMA’s records.

Brought FEMA money into MulatDeclared for Santa Rosa County only

Santa Rosa County has had 36 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. Mulat covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Mulat’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Mulat. 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 Mulat total about $2.7M 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.