Palm Coast, FL natural hazards
Most of the natural-hazard damage FEMA expects in Palm Coast comes from hurricanes, and overall the risk is high for a U.S. community. Flood insurance has paid 49 claims here since 2001. 13 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is Palm Coast?
FEMA expects yearly storm and flood damage to homes and buildings in Palm Coast to be higher than in 75% of U.S. communities, mostly from hurricanes and inland flooding.
What Palm Coast faces
Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.
Hurricanes
Inland flooding
Tornadoes
Lower here
Not a risk here
Does Palm Coast flood?
Every paid claim on a federal flood insurance policy in Palm Coast, from FEMA’s records.
Biggest named events
- Hurricane Irma: 11 claims, $243K
- Hurricane Milton: 5 claims, $536K
- Hurricane Matthew: 5 claims, $134K
Homes that flooded again and again
■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times
are insured
What’s been done with FEMA grants
13 federal disasters brought FEMA money here
Disasters the President declared that paid out in Palm Coast itself: aid to households, or repair grants to the City of Palm Coast.
Hurricane Milton
Hurricane Nicole
Hurricane Ian
Hurricane Dorian
Hurricane Irma
Hurricane Matthew
Severe Storms, Flooding, Tornadoes, and Straight-Line Winds
Tropical Storm Fay
Hurricane Jeanne
Hurricane Ivan
Hurricane Frances
Tropical Storm Bonnie and Hurricane Charley
Severe Storms, Tornadoes and Flooding Associated With Tropical Storm Gabrielle
Palm Coast and the towns around it
How to read this page
FEMA’s expected losses across Palm Coast total about $27.9M 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.