Winter Beach, FL natural hazards
Most of the natural-hazard damage FEMA expects in Winter Beach comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 4 claims here since 2016. 4 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is Winter Beach?
FEMA expects yearly storm and flood damage to homes and buildings in Winter Beach to be higher than in 97% of U.S. communities, mostly from hurricanes.
What Winter Beach faces
Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.
Hurricanes
Inland flooding
Lower here
Not a risk here
Does Winter Beach flood?
Every paid claim on a federal flood insurance policy in Winter Beach, from FEMA’s records.
Biggest named events
- Hurricane Matthew: 3 claims, $256K
- Hurricane Milton: 1 claim, $25K
are insured
are insured
4 federal disasters brought FEMA money here
Disasters the President declared that paid out in Winter Beach itself: aid to households, or repair grants to Winter Beach.
Hurricane Jeanne
Hurricane Ivan
Hurricane Frances
Tropical Storm Bonnie and Hurricane Charley
How to read this page
FEMA’s expected losses across Winter Beach total about $4.0M 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.