FEMA Records
36
Very high volume
Florida · FEMA + NOAA + National Risk Index
Hardee County, FL
36 FEMA disaster declarations (1977-2025), with a FEMA National Risk Index rating of Relatively Low. Most common hazard: Hurricane.
- 36
- FEMA declarations
- 20
- Major disasters
- 69
- NRI risk · Relatively Low
- Hurricane
- Top hazard
The verdict
Hardee County has a nationally busy FEMA history: 36 declarations, more than 94% of counties in this registry. But the state comparison tempers that reading: the total is 11% below the Florida county mean. FEMA's separate National Risk Index places the county in the riskiest 31%; that score models loss and vulnerability rather than counting declarations.
- Riskiest 31%
- of U.S. counties for FEMA National Risk Index score
- Relatively Low
- FEMA National Risk Index rating
- 36
- FEMA declarations vs 21 national county avg
- 129
- NFIP flood insurance claims filed
FEMA's National Risk Index and its declaration registry are separate measures. This county's registry includes Fire Management Assistance (FM) records, which are not presidential disaster declarations, alongside Major Disaster (DR) and Emergency (EM) records.
FEMA OpenFEMA declaration desk
County FIPS 12049 · Hardee County 36 declarations · rank 177/3,266
DECL-HEAVY · MAJOR-MID · RANK-UPPER · PHOTO-FINISH · NRI-LOW · ACT-HIGH · TYPE-LEAD · VS-ST-BELOW
- DECL-HEAVY 36
- MAJOR-MID 56%
- RANK-UPPER #177
- PHOTO-FINISH Suffolk
- NRI-LOW 69
- ACT-HIGH High
- TYPE-LEAD Hurricane
- VS-ST-BELOW -11%
Nearest declaration peer: Suffolk, NY (0 declaration gap)
FEMA Disaster Declarations Summaries v2 filing stamps for this county register. Read with this county → · Florida state profile
Hardee County among high-volume declaration counties
FEMA declaration records among Hardee County and nearest peers by total count
- Los Angeles · largest
Los Angeles · largest
88 declarations
- Atlantic · near
Atlantic · near
36 declarations
- Hardee · this county
Hardee · this county
36 declarations
- Pearl River · near
Pearl River · near
36 declarations
- Suffolk · near
Suffolk · near
36 declarations
- Ujelang · smallest 1
Ujelang · smallest
1 declarations
What this shows Hardee County carries 36 FEMA declaration records, ranked 177 of 3,266 counties in this registry.
Where Hardee County ranks in the national declaration registry
Hardee County vs. high-volume counties in this registry
FEMA disaster declarations, all-time · Hardee County
36 Top 6% higher than 94% of 3,266 counties
Each bar is a band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FEMA Disaster Declarations Summaries v2 · 2026-08-25
Hardee County's FEMA Risk Index score
What does Hardee County's hazard record show?
Reading the federal records together
The NFIP claims register shows a middle-volume loss record here: 129 paid claims, totaling $6.1M. PlainHazard uses 50-499 claims for this descriptive band; FEMA does not publish it as a safety or coverage category. The $47.5K average describes payments on recorded claims only, leaving uninsured damage and properties without a claim outside the measure.
Start with the state benchmark: a Florida county averages 40.4 federal declaration records, while Hardee County has 36. The gap is 11% below that mean. Fewer entries indicate a quieter history of recorded federal actions, not immunity from a hazard and not a prediction about what happens next.
FEMA National Risk Index
This county carries a high composite score on FEMA's National Risk Index, 69.2/100, rated Relatively Low. Its Expected Annual Loss rating is Relatively Low (roughly $25.4M in annualized losses), and a Relatively Moderate social-vulnerability profile combined with Very Low community resilience shapes how much of that raw exposure becomes realized harm. Of the 18 hazards FEMA models, Strong Wind stands out as the sharpest exposure here, rated Very High. FEMA's modeled frequency puts that hazard at roughly once every 1 years here, based on 30 historical events on record.
69 /100
Historical Activity Index
High historical activity
Hardee County, FL · PlainHazard-derived composite from federal records
This 0–100 index is an explicit PlainHazard composite from FEMA declaration history only on the county surface (this DB has no county-level NOAA damage row) . It is not FEMA's National Risk Index, not a forecast, and not a safety, insurance, or preparedness rating. Open the calculator · Methodology
FEMA Declarations (1953–present) Very High
26/30
36 OpenFEMA declarations, full ingest window (1.7x national county average)
County Disaster Density Moderate
11/25
36 declarations (0.9x state county average of 40)
Major Disaster Share High
14/25
20 of 36 declarations are major disasters (56%)
Hazard Diversity Very High
18/20
7 different disaster types declared in Hardee County
FEMA NRI 8-hazard radar - Hardee County
How to read this radar
Each axis: NRI risk rating (Very Low-Very High) on a 0-100 scale. Rounder = broad exposure; spiky = one or two hazards dominate.
Major Disaster share
56%
Major-heavy
NRI risk score
69
Relatively Low
Source: FEMA National Risk Index Per-county per-hazard ratings, December 2025 release
How often does each hazard strike Hardee County?
FEMA's National Risk Index models a historical event count and an annualized frequency for each hazard type. Most hazards are expressed as modeled occurrences per year; FEMA expresses drought and heat-wave frequency as event-days per year. These modeled frequencies are not forecasts.
| Hazard | NRI Risk Rating | Recurrence |
|---|---|---|
| Strong Wind | Very High | roughly once every 1 years |
| Hurricane | Relatively Moderate | roughly once every 4 years |
| Wildfire | Relatively Low | roughly once every 119 years |
| Lightning | Relatively Moderate | an average of 97 times per year |
| Drought | Relatively Low | 17 modeled event-days per year |
| Cold Wave | Relatively Low | an average of 3.7 times per year |
| Tornado | Relatively Low | roughly once every 2 years |
| Heat Wave | Very Low | 3.3 modeled event-days per year |
| Hail | Very Low | an average of 1.7 times per year |
| Riverine Flooding | Very Low | roughly once every 1 years |
| Earthquake | Very Low | roughly once every 3,521 years |
| Landslide | Very Low | roughly once every 14 years |
Source: FEMA National Risk Index Modeled annualized frequency; drought and heat wave use event-days/year, December 2025 release
Disaster Types
Hurricane 16
Severe Storm 5
Tropical Storm 4
Fire 4
Freezing 4
Biological 2
Coastal Storm 1
What Hurricane declarations mean here
Hurricane is the most frequent declaration type on Hardee County's federal record, 44% of its declarations. Atlantic tropical systems run on a defined season, 1 June to 30 November, with most activity concentrated between August and October; Pacific and territorial basins run on their own calendars. A single named storm routinely produces one declaration number covering a long corridor of counties at once, well inland as well as on the coast, which is why an affected county's count can jump by several in one year without several separate events having occurred.
One practical distinction matters when reading these records: a tropical declaration usually bundles wind, storm surge and inland rainfall flooding under a single incident, but the insurance behind them is split. Wind damage falls to property insurers, while flood and surge damage is covered only under a separate National Flood Insurance Program policy. That is why a county can show heavy declaration activity and a comparatively small NFIP claims record, or the reverse.
Declaration counts describe past federal action. They are a record of what was declared, not a forecast of future hazard probability.
Declaration Types
What DR / EM / FM mean
FEMA categorizes declarations as Major Disasters (DR), Emergencies (EM), or Fire Management Assistance (FM).
Major Disaster - 20 55.6%
of all 36 declarations
Emergency - 14 38.9%
of all 36 declarations
Fire Management - 2 5.6%
of all 36 declarations
FEMA Declarations Timeline
| Year | Declarations | |
|---|---|---|
| 2025 | 2 | |
| 2024 | 2 | |
| 2023 | 4 | |
| 2022 | 2 | |
| 2021 | 1 | |
| 2020 | 2 | |
| 2019 | 1 | |
| 2017 | 2 | |
| 2008 | 2 | |
| 2006 | 1 | |
| 2005 | 1 | |
| 2004 | 3 | |
| 2003 | 1 | |
| 2001 | 3 | |
| 2000 | 1 | |
Show 5 earlier declaration years
| 1999 | 2 | |
| 1998 | 3 | |
| 1990 | 1 | |
| 1985 | 1 | |
| 1977 | 1 | |
Disaster Declarations
How the 36 FEMA declarations break into federal action codes (DR / EM / FM). Same DISTINCT grain as the table below.
Download these 36 declarations as CSV . FEMA source data is public domain; our derived presentation is CC0.
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 4834 | HURRICANE MILTON | DR | Hurricane | 2024-10-11 |
| 3622 | HURRICANE MILTON | EM | Hurricane | 2024-10-07 |
| 4806 | HURRICANE DEBBY | DR | Tropical Storm | 2024-08-10 |
| 3605 | TROPICAL STORM DEBBY | EM | Tropical Storm | 2024-08-03 |
| 4734 | HURRICANE IDALIA | DR | Hurricane | 2023-08-31 |
| 3596 | TROPICAL STORM IDALIA | EM | Tropical Storm | 2023-08-28 |
| 4680 | HURRICANE NICOLE | DR | Hurricane | 2022-12-13 |
| 3587 | TROPICAL STORM NICOLE | EM | Tropical Storm | 2022-11-08 |
| 4673 | HURRICANE IAN | DR | Hurricane | 2022-09-29 |
| 3584 | TROPICAL STORM IAN | EM | Hurricane | 2022-09-24 |
| 3561 | TROPICAL STORM ELSA | EM | Severe Storm | 2021-07-04 |
| 4486 | COVID-19 PANDEMIC | DR | Biological | 2020-03-25 |
| 3432 | COVID-19 | EM | Biological | 2020-03-13 |
| 3419 | HURRICANE DORIAN | EM | Hurricane | 2019-08-30 |
| 4337 | HURRICANE IRMA | DR | Hurricane | 2017-09-10 |
| 3385 | HURRICANE IRMA | EM | Hurricane | 2017-09-05 |
| 1785 | TROPICAL STORM FAY | DR | Severe Storm | 2008-08-24 |
| 3288 | TROPICAL STORM FAY | EM | Severe Storm | 2008-08-21 |
| 1609 | HURRICANE WILMA | DR | Hurricane | 2005-10-24 |
| 3220 | HURRICANE KATRINA EVACUATION | EM | Hurricane | 2005-09-05 |
Show 16 earlier declaration records
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 1561 | HURRICANE JEANNE | DR | Hurricane | 2004-09-26 |
| 1545 | HURRICANE FRANCES | DR | Hurricane | 2004-09-04 |
| 1539 | TROPICAL STORM BONNIE AND HURRICANE CHARLEY | DR | Hurricane | 2004-08-13 |
| 1481 | SEVERE STORMS AND FLOODING | DR | Severe Storm | 2003-07-29 |
| 1393 | SEVERE STORMS, TORNADOES AND FLOODING ASSOCIATED WITH TROPICAL STORM GABRIELLE | DR | Coastal Storm | 2001-09-28 |
| 2358 | FL - MYAKKA COMPLEX FIRE | FM | Fire | 2001-04-18 |
| 1359 | SEVERE FREEZE | DR | Freezing | 2001-02-05 |
| 3150 | TROPICAL STORM IRENE - FLORIDA | EM | Hurricane | 1999-10-15 |
| 3139 | FL-FIRES 04/15/99 | EM | Fire | 1999-04-27 |
| 2260 | FL-FIRES 04/13/99 | FM | Fire | 1999-04-23 |
| 3131 | HURRICANE GRORGES | EM | Hurricane | 1998-09-25 |
| 1223 | EXTREME FIRE HAZARD | DR | Fire | 1998-06-18 |
| 1195 | SEVERE STORMS, HIGH WINDS, TORNADOES, AND FLOODING | DR | Severe Storm | 1998-01-06 |
| 851 | SEVERE FREEZE | DR | Freezing | 1990-01-15 |
| 732 | SEVERE FREEZE | DR | Freezing | 1985-03-18 |
| 526 | SEVERE WINTER WEATHER | DR | Freezing | 1977-01-31 |
Storm Events in Florida
Statewide NOAA context only. PlainHazard does not currently attribute these state totals to Hardee County.
| Storm Type | Events | Fatalities | Injuries | Property Damage |
|---|---|---|---|---|
| Thunderstorm Wind | 5,243 | 17 | 45 | $24.8M |
| Hail | 1,012 | 0 | 0 | $564.6K |
| Heavy Rain | 865 | 2 | 3 | $200.0K |
| Flood | 826 | 9 | 0 | $2.0B |
| Tropical Storm | 767 | 92 | 6 | $4.9B |
Source: NOAA Storm Events Database State-level aggregated data, 2015-2025
NFIP Flood Insurance Claims
Total Claims
129
Total Paid
$6.1M
Avg Per Claim
$47.5K
Source: FEMA National Flood Insurance Program (NFIP) OpenFEMA Claims Data
FEMA National Risk Index
Overall Risk
Relatively Low
Score: 69.2/100
Expected Annual Loss
Relatively Low
$25.4M/year
Social Vulnerability
Relatively Moderate
Community Resilience
Very Low
Hazard Risk Breakdown
Strong Wind Very High
Hurricane Relatively Moderate
Wildfire Relatively Low
Lightning Relatively Moderate
Drought Relatively Low
Cold Wave Relatively Low
Tornado Relatively Low
Heat Wave Very Low
Hail Very Low
Riverine Flooding Very Low
Earthquake Very Low
Landslide Very Low
Coastal Flooding No Rating
Winter Weather No Rating
Source: FEMA National Risk Index (NRI) Ratings reflect relative scores among all US counties. Data: hazards.fema.gov/nri
The model's sharpest exposure here: Strong Wind
Strong Wind covers damaging non-thunderstorm, non-tornadic wind, the kind produced by steep pressure gradients and downslope events. It is a broad, frequent, low-drama hazard: roofs, signage, power lines and high-profile vehicles, spread across a wide area rather than concentrated on a path.
Worth noting for Hardee County: the model and the federal record do NOT point at the same hazard. Strong Wind carries the highest modeled rating (Very High), while the county's declaration history is led by Hurricane. That is not a contradiction, the two measure genuinely different things. Declarations record federal ACTION, which requires damage costly enough to exceed state and local capacity; the Risk Index models EXPECTED annual loss across all 18 hazards whether or not any declaration ever followed. A hazard can be the county's largest modeled exposure and never once have driven a declaration.
National Risk Index ratings are modeled estimates of expected annual loss, not predictions of what will happen in any given year.
Data-matched county comparisons
Hardee County's closest FEMA peer: Orange County, NY
Comparisons use published FEMA declaration fields plus the National Risk Index composite for Hardee County. Record similarity, not a safety rating.
Closest declaration profiles
Hardee County shows 36 FEMA declarations, led by Hurricane.
Similar Major-disaster share
Hardee County: 20 of 36 of its declarations are Major.
Similar modeled NRI score
Hardee County: NRI composite 69.2 (Relatively Low).
How these peers are chosen
Cohort: Published U.S. county equivalents outside the source state or territory. Each metric keeps six ETL candidates; three unique destinations are shown after de-duplicating across axes. Declaration-volume ranking combines count and Major-disaster share and prefers a different leading incident type; Major-share ranks the Major fraction adjusted for volume; NRI ranks the modeled composite score only.
Retained FEMA snapshot feed for Hardee County - capture-dated entries only.
Compare beyond this state
Nationwide peers by NRI score & FEMA declaration volume
Two PlainHazard-derived comparison paths for Hardee County: nearest out-of-state National Risk Index composite and nearest FEMA declaration count (floor ≥5 records). Record similarity only, not a forecast of the next hazard.
Similar NRI composite
Nearest out-of-state counties by FEMA NRI score. This county: 69.2 (Relatively Low).
Similar declaration volume
Nearest out-of-state counties by FEMA declaration count. This county: 36. NRI peers are excluded so the two link sets stay distinct.
Further reading for this county
Understanding disaster data
Hardee County's NFIP claims file (129 claims) and FEMA declaration history measure different federal records - this guide separates them from modeled NRI risk.
More PlainHazard guides
- Most disaster-prone counties - U.S. counties ranked by FEMA declaration totals.
- Understanding disaster data - declarations vs storm events vs NRI scores.
- Preparing for natural disasters - household checklist (not county-specific advice).
Frequently Asked Questions
What is the most common disaster type in Hardee County?
The most common disaster type in Hardee County is Hurricane, with 16 declarations. Other disaster types include Severe Storm (5), Tropical Storm (4), Fire (4).
How does Hardee County's FEMA declaration record compare with the Florida average?
The typical Florida county has 40.4 FEMA declaration records; Hardee County has 36, or 11% fewer. Against the national county mean of 20.7, this county's total is 74% higher. The comparison is historical and says nothing about the probability of a future event.
How many major FEMA disaster declarations has Hardee County received?
Hardee County has received 20 major disaster declarations, representing 56% of all 36 disaster declarations.
How many flood insurance claims has Hardee County filed?
Hardee County has 129 National Flood Insurance Program (NFIP) claims totaling $6.1M in payments, with an average of $47.5K per claim.
What was the worst year for disasters in Hardee County?
The most active year for disaster declarations in Hardee County was 2023, with 4 declarations. The county has FEMA disaster data spanning 1977 to 2025.
What is the FEMA National Risk Index score for Hardee County?
According to the FEMA National Risk Index, Hardee County, Florida has an overall risk score of 69.2 out of 100 (Relatively Low). On social vulnerability the county rates Relatively Moderate; on community resilience, Very Low. The Expected Annual Loss (EAL) score is Relatively Low, representing $25.4M in annualized losses.
Which natural hazard poses the greatest risk to Hardee County?
Based on FEMA NRI data, the highest-risk natural hazard in Hardee County as of the latest release is Strong Wind (risk rating: Very High). Other significant hazards include Hurricane (Relatively Moderate) and Wildfire (Relatively Low). FEMA's modeled event frequency puts strong wind here at roughly once every 1 years, drawn from 30 historical events on record. These scores are based on FEMA's analysis of historical event frequency, exposed assets, and community vulnerability.
Data Sources & Methodology
Disaster declaration data comes from the FEMA OpenFEMA Disaster Declarations Summaries v2 API, which includes all federally declared disasters, emergencies, and fire management assistance grants.
Storm event data is sourced from the NOAA Storm Events Database (2015-2025), which tracks significant weather events including thunderstorms, tornadoes, floods, and winter storms.
Flood insurance data comes from the FEMA National Flood Insurance Program (NFIP) OpenFEMA claims dataset.
This data is provided for informational purposes only. FEMA disaster declarations represent federal response actions and may not capture all local emergencies or weather events.
FEMA OpenFEMA declarations + NRI for Hardee County · vintage 2026-08-25 · Methodology · Florida profile · Verify with FEMA OpenFEMA · Verify with NOAA Storm Events