Natural hazards · Pensacola

Pensacola, OK natural hazards

Most of the natural-hazard damage FEMA expects in Pensacola comes from inland flooding, and overall the risk is very high for a U.S. community.

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

Expected damage

How exposed is Pensacola?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pensacola to be higher than in 80% of U.S. communities, mostly from inland flooding.

Inland flooding51%Tornadoes15%Ice storms9%Heat waves8%Strong wind6%Everything else12%

By hazard

What Pensacola faces

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

Inland flooding

51% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

15% of expected damage

Above average · higher than 52% of U.S. places

Recorded about once every 14 years in the area

Ice storms

9% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once a year in the area

Heat waves

8% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 23 times a year in the area

Strong wind

6% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about 8 times a year in the area

Lower here

HurricanesHailWinter weatherCold wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Pensacola flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Mayes County.

Disasters that hit Pensacola

Federal disasters declared here

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

Brought FEMA money into PensacolaDeclared for Mayes County only

Mayes County has had 22 natural disasters declared since 1953, most often severe storms and ice 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. Pensacola 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 Pensacola’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Pensacola. 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.