Natural hazards · Tavernier

Tavernier, FL natural hazards

Most of the natural-hazard damage FEMA expects in Tavernier comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 235 claims here since 1988. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Tavernier?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Tavernier to be higher than in 95% of U.S. communities, mostly from hurricanes and coastal flooding.

Hurricanes75%Coastal flooding16%Inland flooding5%Everything else4%

By hazard

What Tavernier faces

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

Hurricanes

75% of expected damage

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

Recorded about once every 4 years in the area

Coastal flooding

16% of expected damage

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

Inland flooding

5% of expected damage

Well below average · higher than 2% of U.S. places

Recorded about once every 2 years in the area

Lower here

TornadoesHailCold 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 Tavernier flood?

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

235paid claims since 1988

$5.7Mpaid to owners

0homes flooded more than once

19882026

Biggest named events

Hurricane Irma: 128 claims, $4.2M
Hurricane Wilma: 38 claims, $644K
Hurricane Georges (Keys): 22 claims, $178K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Tavernier isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Monroe County.

What’s been done with FEMA grants

7buildings retrofitted against wind

2homes raised above flood level

Disasters that hit Tavernier

4 federal disasters brought FEMA money here

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

Brought FEMA money into TavernierDeclared for Monroe County only

2022

Hurricane Ian

48 households applied for aid $3K aid approved

2017

Hurricane Irma

2,156 households applied for aid $2.8M aid approved

2005

Hurricane Wilma

385 households applied for aid $131K aid approved

2004

Tropical Storm Bonnie and Hurricane Charley

19 households applied for aid $3K aid approved

Monroe County has had 37 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Tavernier

Tavernier and the towns around it

Very lowLowModerateHighVery high

Key Largomostly hurricanesVery high

Taverniermostly hurricanesVery high

Islamorada, Village of Islandsmostly 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. Tavernier covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Tavernier’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Tavernier. 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 Tavernier total about $2.9M 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.