Natural hazards · Point Baker

Point Baker, FL natural hazards

Most of the natural-hazard damage FEMA expects in Point Baker comes from hurricanes, and overall the risk is very high for a U.S. community.

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

Expected damage

How exposed is Point Baker?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Point Baker to be higher than in 88% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes56%Inland flooding20%Tornadoes12%Everything else12%

By hazard

What Point Baker faces

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

Hurricanes

56% of expected damage

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

Recorded about once every 4 years in the area

Inland flooding

20% of expected damage

Above average · higher than 52% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

12% of expected damage

Above average · higher than 74% of U.S. places

Lower here

Coastal floodingHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 Point Baker flood?

FEMA's records show no paid flood insurance claims in Point Baker.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Point Baker 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.

Disasters that hit Point Baker

Federal disasters declared here

None of the disasters declared for Santa Rosa County shows FEMA aid or repair money reaching Point Baker itself in FEMA’s records.

Brought FEMA money into Point BakerDeclared for Santa Rosa County only

Santa Rosa County has had 36 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. Point Baker covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Point Baker’s own flood-insurance community; household aid to the registrant’s city; repair grants to Point Baker. 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 Point Baker total about $2.0M 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.