Natural hazards · North Key Largo

North Key Largo, FL natural hazards

Most of the natural-hazard damage FEMA expects in North Key Largo comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 135 claims here since 2005.

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

Expected damage

How exposed is North Key Largo?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in North Key Largo to be higher than in 97% of U.S. communities, mostly from hurricanes and coastal flooding.

Hurricanes67%Coastal flooding25%Inland flooding6%Everything else2%

By hazard

What North Key Largo faces

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

Hurricanes

67% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 4 years in the area

Coastal flooding

25% of expected damage

Well above average · among the top 1% of U.S. places

Inland flooding

6% of expected damage

Well below average · higher than 3% of U.S. places

Recorded about once every 2 years in the area

Lower here

TornadoesHailCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Ice stormsWinter weatherDroughtAvalanchesTsunamisVolcanic 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 North Key Largo flood?

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

135paid claims since 2005

$3.8Mpaid to owners

0homes flooded more than once

20052026

Biggest named events

Hurricane Irma: 91 claims, $2.8M
Hurricane Ian: 18 claims, $380K
Hurricane Wilma: 12 claims, $67K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Monroe County.

Disasters that hit North Key Largo

Federal disasters declared here

None of the disasters declared for Monroe County shows FEMA aid or repair money reaching North Key Largo itself in FEMA’s records.

Brought FEMA money into North Key LargoDeclared for Monroe County only

Monroe County has had 37 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. North Key Largo covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to North Key Largo’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to North Key Largo. 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 North Key Largo total about $9.1M 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.