Ocean Ridge, FL natural hazards
Most of the natural-hazard damage FEMA expects in Ocean Ridge comes from hurricanes, and overall the risk is high for a U.S. community. Flood insurance has paid 92 claims here since 1978. 13 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is Ocean Ridge?
FEMA expects yearly storm and flood damage to homes and buildings in Ocean Ridge to be higher than in 74% of U.S. communities, mostly from hurricanes and inland flooding.
What Ocean Ridge faces
Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.
Hurricanes
Inland flooding
Coastal flooding
Lower here
Not a risk here
Does Ocean Ridge flood?
Every paid claim on a federal flood insurance policy in Ocean Ridge, from FEMA’s records.
Biggest named events
- Hurricane Irene: 17 claims, $164K
- Hurricane Frances: 9 claims, $298K
- Tropical Storm Mitch: 7 claims, $214K
Homes that flooded again and again
■ FEMA “severe repetitive loss” (2) ■ flooded 2+ times
are insured
are insured
What’s been done with FEMA grants
13 federal disasters brought FEMA money here
Disasters the President declared that paid out in Ocean Ridge itself: aid to households, or repair grants to the Town of Ocean Ridge.
Hurricane Milton
Hurricane Ian
Hurricane Isaias
Hurricane Dorian
Hurricane Irma
Hurricane Matthew
Tropical Storm Fay
Hurricane Wilma
Hurricane Jeanne
Hurricane Ivan
Hurricane Frances
Fl-Hurricane Irene-Dr-Req
Hurricane Floyd Major Disaster Declarations
Ocean Ridge and the towns around it
How to read this page
FEMA’s expected losses across Ocean Ridge total about $2.2M 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.