Baker County, Florida: hazard risk
FEMA rates Baker County's overall risk Very Low (score 13.3 of 100, higher than 13% of rated U.S. counties). Its storm record holds 309 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Wildfire | Relatively Low | 76.2 | $328K |
| Hurricane | Relatively Low | 74.5 | $1.0M |
| Heat Wave | Relatively Low | 57.4 | $587K |
| Lightning | Relatively Low | 46.7 | $234K |
| Tornado | Relatively Low | 31.5 | $626K |
| Earthquake | Very Low | 36.0 | $132K |
| Riverine Flooding | Very Low | 22.7 | $3.0M |
| Cold Wave | Very Low | 17.2 | $202K |
| Drought | Very Low | 16.6 | $2K |
| Hail | Very Low | 8.8 | $29K |
| Strong Wind | Very Low | 8.0 | $65K |
| Landslide | Very Low | 3.1 | $4 |
| Winter Weather | Very Low | 2.8 | $2K |
| Coastal Flooding | No Rating | 0.0 | $0 |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Severe thunderstorm wind | 147 | 0 | $234K | 40th of 67 | 1615th of 3,080 |
| Hail | 39 | 0 | $3K | 46th of 67 | 2486th of 3,080 |
| Heavy rain | 36 | 0 | – | 12th of 67 | 198th of 3,080 |
| Wildfires | 22 | 1 | $600K | 3rd of 67 | 55th of 2,972 |
| Floods | 19 | 0 | $5.8M | 40th of 67 | 2051st of 3,080 |
| Hurricanes and tropical storms | 12 | 0 | – | 54th of 67 | 339th of 1,849 |
| Tornadoes | 12 | 0 | $1.8M | 60th of 67 | 2010th of 3,080 |
| Drought | 9 | 0 | – | 28th of 67 | 1856th of 3,063 |
| Lightning | 4 | 0 | – | 47th of 67 | 990th of 3,080 |
| Winter storms | 3 | 0 | – | 12th of 67 | 2964th of 3,077 |
| Heat | 1 | 1 | – | 31st of 67 | 2236th of 3,076 |
| High wind and dust storms | 1 | 0 | $2K | 51st of 67 | 2897th of 3,080 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Baker County record: every hazard by year and month, the deadliest events and FEMA's declarations.