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Natural hazards · Steinhatchee

Steinhatchee, FL natural hazards

Most of the natural-hazard damage FEMA expects in Steinhatchee comes from hurricanes, and overall the risk is very high for a U.S. community. 13 federal disasters brought FEMA money into town.

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

How exposed is Steinhatchee?

92
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Steinhatchee to be higher than in 92% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes52%Inland flooding20%Coastal flooding15%Everything else12%
By hazard

What Steinhatchee faces

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

Hurricanes

52% 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 57% of U.S. places
Recorded about once a year in the area

Coastal flooding

15% of expected damage
Well above average · among the top 1% of U.S. places

Lower here

TornadoesHailWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Ice stormsDroughtAvalanchesTsunamisVolcanic 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 Steinhatchee flood?

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

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

What’s been done with FEMA grants

5homes raised above flood level
Disasters that hit Steinhatchee

13 federal disasters brought FEMA money here

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

Brought FEMA money into SteinhatcheeDeclared for Taylor County only
2024

Hurricane Helene

684 households applied for aid $8.2M aid approved
2024

Hurricane Debby

58 households applied for aid $151K aid approved
2023

Hurricane Idalia

542 households applied for aid $1.3M aid approved
2018

Hurricane Michael

37 households applied for aid $19K aid approved
2017

Hurricane Irma

23 households applied for aid $4K aid approved
2016

Hurricane Hermine

147 households applied for aid $598K aid approved
2012

Tropical Storm Debby

19 households applied for aid $15K aid approved
2008

Tropical Storm Fay

2 households applied for aid $3K aid approved
2005

Hurricane Dennis

19 households applied for aid $13K aid approved
2004

Hurricane Jeanne

37 households applied for aid $107K aid approved
2004

Hurricane Ivan

19 households applied for aid $41K aid approved
2004

Hurricane Frances

5 households applied for aid $35K aid approved
2004

Tropical Storm Bonnie and Hurricane Charley

1 household applied for aid $2K aid approved
Taylor County has had 32 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. Steinhatchee is smaller than a census tract, so it shares the figures of the tract around its center.
Money that reached townFlood claims are matched to Steinhatchee’s own flood-insurance community; household aid to the registrant’s city; repair grants to Steinhatchee. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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/19 · 2025-01-01
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