Natural hazards · White

White, FL natural hazards

Most of the natural-hazard damage FEMA expects in White comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 5 claims here since 2012. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is White?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in White to be higher than in 91% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes77%Inland flooding17%Everything else6%

By hazard

What White faces

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

Hurricanes

77% of expected damage

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

Recorded about once every 3 years in the area

Inland flooding

17% of expected damage

Below average · higher than 39% of U.S. places

Recorded about once every 2 years in the area

Lower here

Coastal floodingTornadoesHailCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Ice stormsWinter weatherAvalanchesTsunamisVolcanic 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 White flood?

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

5paid claims since 2012

$296Kpaid to owners

0homes flooded more than once

20122026

Biggest named events

Hurricane Irma: 3 claims, $210K
Hurricane Isaac: 1 claim, $73K

of homes in flood zones
are insured

of all homes
are insured

No community discount. White 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. Lucie County.

Disasters that hit White

2 federal disasters brought FEMA money here

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

Brought FEMA money into WhiteDeclared for St. Lucie County only

2017

Hurricane Irma

1 household applied for aid

2004

Hurricane Frances

1 household applied for aid $549 aid approved

St. Lucie County has had 29 natural disasters declared since 1953, most often hurricanes and fires.

Around White

White and the towns around it

Very lowLowModerateHighVery high

Port St. Luciemostly hurricanesVery high

White Citymostly hurricanesVery high

Indian River Estatesmostly hurricanesVery high

Fort Piercemostly 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. White covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to White’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to White. 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 White total about $3.6M 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.