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Natural hazards · Satellite Beach

Satellite Beach, FL natural hazards

Most of the natural-hazard damage FEMA expects in Satellite Beach comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 102 claims here since 1979. 14 federal disasters brought FEMA money into town.

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

How exposed is Satellite Beach?

85
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Satellite Beach to be higher than in 85% of U.S. communities, mostly from hurricanes.

Hurricanes78%Inland flooding14%Everything else8%
By hazard

What Satellite Beach faces

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

Hurricanes

78% of expected damage
Well above average · higher than 96% of U.S. places
Recorded about once every 4 years in the area

Inland flooding

14% of expected damage
Well below average · higher than 12% of U.S. places
Recorded about once a year 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 Satellite Beach flood?

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

102paid claims since 1979
$1.8Mpaid to owners
10homes flooded more than once
19792026

Biggest named events

  • Tropical Storm Fay: 35 claims, $229K
  • Hurricane Irma: 16 claims, $373K
  • Hurricane Jeanne: 7 claims, $761K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Satellite Beach isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Brevard County.

What’s been done with FEMA grants

3buildings retrofitted against wind
Disasters that hit Satellite Beach

14 federal disasters brought FEMA money here

Disasters the President declared that paid out in Satellite Beach itself: aid to households, or repair grants to the City of Satellite Beach.

Brought FEMA money into Satellite BeachDeclared for Brevard County only
2024

Hurricane Milton

203 households applied for aid $27K aid approved $267K to the City of Satellite Beach for repairs
2022

Hurricane Nicole

48 households applied for aid $24K aid approved $245K to the City of Satellite Beach for repairs
2022

Hurricane Ian

205 households applied for aid $39K aid approved $216K to the City of Satellite Beach for repairs
2019

Hurricane Dorian

$6K to the City of Satellite Beach for repairs
2017

Hurricane Irma

1,633 households applied for aid $427K aid approved $197K to the City of Satellite Beach for repairs
2016

Hurricane Matthew

155 households applied for aid $21K aid approved $206K to the City of Satellite Beach for repairs
2008

Tropical Storm Fay

81 households applied for aid $60K aid approved $72K to the City of Satellite Beach for repairs
2005

Hurricane Wilma

19 households applied for aid $9K aid approved $79K to the City of Satellite Beach for repairs
2004

Hurricane Jeanne

1,438 households applied for aid $890K aid approved $169K to the City of Satellite Beach for repairs
2004

Hurricane Ivan

24 households applied for aid $227 aid approved
2004

Hurricane Frances

2,330 households applied for aid $1.2M aid approved $375K to the City of Satellite Beach for repairs
2004

Tropical Storm Bonnie and Hurricane Charley

32 households applied for aid $9K aid approved $4K to the City of Satellite Beach for repairs
1999

Fl-Hurricane Irene-Dr-Req

$26K to the City of Satellite Beach for repairs
1999

Hurricane Floyd Major Disaster Declarations

$61K to the City of Satellite Beach for repairs
Brevard County has had 35 natural disasters declared since 1953, most often hurricanes and fires.
Around Satellite Beach

Satellite Beach and the towns around it

South Patrick Shores: Very high, mostly hurricanesIndian Harbour Beach: Very high, mostly hurricanesPatrick AFB: Very high, mostly hurricanesMerritt Island: Very high, mostly hurricanesMelbourne: Very high, mostly hurricanesSatellite Beach: Very high, mostly hurricanes Satellite BeachSouth Patrick ShoresIndian Harbour Beach
Very lowLowModerateHighVery high
Satellite Beachmostly hurricanesVery high
South Patrick Shoresmostly hurricanesVery high
Indian Harbour 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. Satellite Beach covers 3 census tracts, combined by population.
Money that reached townFlood claims are matched to Satellite Beach’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Satellite Beach. 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 Satellite Beach total about $6.9M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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