Natural hazards · Upper Grand Lagoon

Upper Grand Lagoon, FL natural hazards

Most of the natural-hazard damage FEMA expects in Upper Grand Lagoon comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 280 claims here since 1984.

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

Expected damage

How exposed is Upper Grand Lagoon?

Very high

vs. U.S. communities

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

Hurricanes75%Inland flooding10%Tornadoes7%Everything else9%

By hazard

What Upper Grand Lagoon 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

Inland flooding

10% of expected damage

Well below average · higher than 10% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

7% of expected damage

Above average · higher than 65% of U.S. places

Lower here

Coastal floodingHailWinter 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 Upper Grand Lagoon flood?

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

280paid claims since 1984

$9.5Mpaid to owners

0homes flooded more than once

19842026

Biggest named events

Hurricane Opal: 124 claims, $5.3M
Hurricane Sally: 30 claims, $920K
Hurricane Michael: 24 claims, $522K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Bay County.

Disasters that hit Upper Grand Lagoon

Federal disasters declared here

None of the disasters declared for Bay County shows FEMA aid or repair money reaching Upper Grand Lagoon itself in FEMA’s records.

Brought FEMA money into Upper Grand LagoonDeclared for Bay County only

Bay County has had 40 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. Upper Grand Lagoon covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Upper Grand Lagoon’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Upper Grand Lagoon. 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 Upper Grand Lagoon total about $14.9M 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.