Natural hazards · Ocean Breeze

Ocean Breeze, FL natural hazards

Most of the natural-hazard damage FEMA expects in Ocean Breeze comes from hurricanes, and overall the risk is very high for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Ocean Breeze?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ocean Breeze to be higher than in 90% of U.S. communities, mostly from hurricanes.

Hurricanes80%Inland flooding14%Everything else6%

By hazard

What Ocean Breeze 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 98% of U.S. places

Recorded about once every 3 years in the area

Inland flooding

14% of expected damage

Well below average · higher than 21% of U.S. places

Recorded about once every 2 years in the area

Lower here

Coastal floodingTornadoesHailCold 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 Ocean Breeze flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Martin County.

Disasters that hit Ocean Breeze

3 federal disasters brought FEMA money here

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

Brought FEMA money into Ocean BreezeDeclared for Martin County only

2024

Hurricane Milton

1 household applied for aid

2017

Hurricane Irma

2 households applied for aid

2004

Hurricane Frances

1 household applied for aid $5K aid approved $2K to the Town of Ocean Breeze for repairs

Martin County has had 32 natural disasters declared since 1953, most often hurricanes and fires.

Around Ocean Breeze

Ocean Breeze and the towns around it

Very lowLowModerateHighVery high

Ocean Breezemostly hurricanesVery high

Jensen Beachmostly hurricanesVery high

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. Ocean Breeze 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 Ocean Breeze’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Ocean Breeze. 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.