Natural hazards · Pace

Pace, FL natural hazards

Most of the natural-hazard damage FEMA expects in Pace comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 42 claims here since 1993. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Pace?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pace to be higher than in 86% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes63%Inland flooding18%Tornadoes9%Everything else10%

By hazard

What Pace faces

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

Hurricanes

63% of expected damage

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

Recorded about once every 4 years in the area

Inland flooding

18% of expected damage

Below average · higher than 38% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

9% of expected damage

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

Lower here

Coastal floodingHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

AvalanchesTsunamisVolcanic 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 Pace flood?

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

42paid claims since 1993

$1.1Mpaid to owners

0homes flooded more than once

19932026

Biggest named events

Hurricane Sally: 14 claims, $417K
Mid-spring storms: 10 claims, $248K
Hurricane Ivan: 2 claims, $244K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Pace 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.

What’s been done with FEMA grants

790buildings retrofitted against wind

6flood-prone properties bought out and cleared

1homes raised above flood level

1storm safe rooms built

Disasters that hit Pace

5 federal disasters brought FEMA money here

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

Brought FEMA money into PaceDeclared for Santa Rosa County only

2020

Hurricane Sally

479 households applied for aid $671K aid approved

2014

Severe Storms, Tornadoes, Straight-Line Winds, and Flooding

210 households applied for aid $744K aid approved

2009

Severe Storms, Flooding, Tornadoes, and Straight-Line Winds

5 households applied for aid $13K aid approved

2005

Hurricane Dennis

1,934 households applied for aid $1.2M aid approved

2004

Hurricane Ivan

4,112 households applied for aid $3.9M aid approved

Santa Rosa County has had 36 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Pace

Pace and the towns around it

Very lowLowModerateHighVery high

Pea Ridgemostly hurricanesVery high

Wallacemostly hurricanesVery high

Pacemostly hurricanesVery high

Floridatownmostly 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. Pace covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Pace’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Pace. 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 Pace total about $8.7M 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.