Natural hazards · Wallace

Wallace, FL natural hazards

Most of the natural-hazard damage FEMA expects in Wallace comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 3 claims here since 2020.

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

Expected damage

How exposed is Wallace?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Wallace to be higher than in 87% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes59%Inland flooding22%Tornadoes10%Everything else10%

By hazard

What Wallace faces

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

Hurricanes

59% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about once every 4 years in the area

Inland flooding

22% of expected damage

Above average · higher than 54% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

10% of expected damage

Above average · higher than 70% of U.S. places

Recorded about once every 56 years in the area

Lower here

Coastal floodingHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

AvalanchesTsunamisVolcanic 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 Wallace flood?

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

3paid claims since 2020

$348Kpaid to owners

0homes flooded more than once

20202026

Biggest named events

Hurricane Sally: 3 claims, $348K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Santa Rosa County.

Disasters that hit Wallace

Federal disasters declared here

None of the disasters declared for Santa Rosa County shows FEMA aid or repair money reaching Wallace itself in FEMA’s records.

Brought FEMA money into WallaceDeclared for Santa Rosa County only

Santa Rosa County has had 36 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Wallace

Wallace and the towns around it

Very lowLowModerateHighVery high

Wallacemostly hurricanesVery high

Pacemostly 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. Wallace covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Wallace’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Wallace. 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 Wallace total about $2.7M 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.