Natural hazards · Vilano Beach

Vilano Beach, FL natural hazards

Most of the natural-hazard damage FEMA expects in Vilano Beach comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 187 claims here since 1995. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Vilano Beach?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Vilano Beach to be higher than in 71% of U.S. communities, mostly from inland flooding and coastal flooding.

Inland flooding37%Coastal flooding34%Hurricanes19%Tornadoes7%Everything else4%

By hazard

What Vilano Beach faces

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

Inland flooding

37% of expected damage

Below average · higher than 46% of U.S. places

Recorded about 2 times a year in the area

Coastal flooding

34% of expected damage

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

Hurricanes

19% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once every 4 years in the area

Tornadoes

7% of expected damage

Above average · higher than 58% of U.S. places

Lower here

HailCold 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 Vilano Beach flood?

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

187paid claims since 1995

$6.3Mpaid to owners

0homes flooded more than once

19952026

Biggest named events

Hurricane Matthew: 106 claims, $3.6M
Hurricane Irma: 40 claims, $1.1M
Hurricane Ian: 26 claims, $1.3M

of all homes
are insured

No community discount. Vilano 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: St. Johns County.

Disasters that hit Vilano Beach

2 federal disasters brought FEMA money here

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

Brought FEMA money into Vilano BeachDeclared for St. Johns County only

2017

Hurricane Irma

1 household applied for aid

2016

Hurricane Matthew

2 households applied for aid

St. Johns County has had 25 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. Vilano Beach covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Vilano Beach’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Vilano 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 Vilano Beach total about $1.0M 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.