Natural hazards · Florida

Florida, MA natural hazards

Most of the natural-hazard damage FEMA expects in Florida comes from inland flooding, and overall the risk is low for a U.S. community. 10 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Florida?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Florida to be higher than in 29% of U.S. communities, mostly from inland flooding.

Inland flooding68%Hurricanes9%Cold waves9%Everything else14%

By hazard

What Florida faces

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

Inland flooding

68% of expected damage

Above average · higher than 51% of U.S. places

Recorded about 3 times a year in the area

Hurricanes

9% of expected damage

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

Recorded about once every 14 years in the area

Cold waves

9% of expected damage

Below average · higher than 42% of U.S. places

Recorded about 4 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningAvalanches

Not a risk here

Coastal floodingDroughtTsunamisVolcanic 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 Florida flood?

FEMA's records show no paid flood insurance claims in Florida.

of all homes
are insured

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

Insurance rates: Berkshire County.

Disasters that hit Florida

10 federal disasters brought FEMA money here

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

Brought FEMA money into FloridaDeclared for Berkshire County only

2013

Severe Winter Storm, Snowstorm, and Flooding

$17K to the Town of Florida for repairs

2011

Severe Storm and Snowstorm

$12K to the Town of Florida for repairs

2011

Tropical Storm Irene

4 households applied for aid $12K aid approved $465K to the Town of Florida for repairs

2011

Severe Winter Storm and Snowstorm

$23K to the Town of Florida for repairs

2008

Severe Winter Storm and Flooding

$212K to the Town of Florida for repairs

2007

Severe Storms and Inland and Coastal Flooding

$49K to the Town of Florida for repairs

2005

Severe Storms and Flooding

$80K to the Town of Florida for repairs

2005

Record And/Or Near Record Snow

$14K to the Town of Florida for repairs

2003

Snow

$13K to the Town of Florida for repairs

2001

Snow

$8K to the Town of Florida for repairs

Berkshire County has had 19 natural disasters declared since 1953, most often hurricanes and winter storms.

Around Florida

Florida and the towns around it

Very lowLowModerateHighVery high

Rowemostly inland floodingHigh

Charlemontmostly inland floodingHigh

Monroemostly inland floodingHigh

Clarksburgmostly inland floodingHigh

Floridamostly inland floodingLow

Savoymostly inland floodingLow

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. Florida 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 Florida’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Florida. 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.