Natural hazards · Westville

Westville, FL natural hazards

Most of the natural-hazard damage FEMA expects in Westville comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 9 claims here since 1994. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Westville?

Very high

vs. U.S. communities

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

Hurricanes57%Inland flooding28%Tornadoes8%Everything else8%

By hazard

What Westville faces

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

Hurricanes

57% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about once every 5 years in the area

Inland flooding

28% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once a year in the area

Tornadoes

8% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about once every 15 years in the area

Lower here

HailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Westville flood?

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

9paid claims since 1994

$103Kpaid to owners

0homes flooded more than once

19942026

Biggest named events

Hurricane Georges (Panhandle): 4 claims, $41K
Tropical Storm Alberto: 1 claim, $12K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Holmes County.

What’s been done with FEMA grants

8flood-prone properties bought out and cleared

Disasters that hit Westville

6 federal disasters brought FEMA money here

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

Brought FEMA money into WestvilleDeclared for Holmes County only

2020

Hurricane Sally

2 households applied for aid $2K aid approved

2018

Hurricane Michael

166 households applied for aid $48K aid approved

2014

Severe Storms, Tornadoes, Straight-Line Winds, and Flooding

4 households applied for aid $242 aid approved

2009

Severe Storms, Flooding, Tornadoes, and Straight-Line Winds

44 households applied for aid $74K aid approved $2K to the Town of Westville for repairs

2005

Hurricane Dennis

3 households applied for aid

2004

Hurricane Ivan

272 households applied for aid $480K aid approved $5K to the Town of Westville for repairs

Holmes County has had 31 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. Westville 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 Westville’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Westville. 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.