Calhoun County, Florida: hazard risk
FEMA rates Calhoun County's overall risk Relatively Low (score 44.9 of 100, higher than 44% of rated U.S. counties). Its storm record holds 292 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 |
|---|---|---|---|
| Hurricane | Relatively Moderate | 89.1 | $4.9M |
| Lightning | Relatively Moderate | 63.4 | $286K |
| Strong Wind | Relatively Moderate | 59.5 | $542K |
| Tornado | Relatively Low | 56.6 | $1.2M |
| Drought | Relatively Low | 49.2 | $102K |
| Heat Wave | Relatively Low | 42.3 | $192K |
| Cold Wave | Relatively Low | 40.4 | $501K |
| Wildfire | Very Low | 59.6 | $61K |
| Riverine Flooding | Very Low | 32.2 | $2.8M |
| Earthquake | Very Low | 28.8 | $49K |
| Coastal Flooding | Very Low | 21.2 | $388 |
| Landslide | Very Low | 12.2 | $29 |
| Hail | Very Low | 7.2 | $15K |
| Winter Weather | Very Low | 4.7 | $3K |
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 | 133 | 1 | $2.1M | 41st of 67 | 1636th of 3,080 |
| Floods | 35 | 0 | $179M | 38th of 67 | 2026th of 3,080 |
| Drought | 28 | 0 | – | 9th of 67 | 954th of 3,063 |
| Hail | 28 | 0 | – | 53rd of 67 | 2596th of 3,080 |
| Tornadoes | 23 | 4 | $18M | 46th of 67 | 1194th of 3,080 |
| Hurricanes and tropical storms | 19 | 5 | $897M | 33rd of 67 | 200th of 1,849 |
| Heat | 11 | 0 | – | 4th of 67 | 1019th of 3,076 |
| Extreme cold | 3 | 0 | $50K | 32nd of 67 | 2245th of 3,076 |
| Lightning | 3 | 0 | $60K | 51st of 67 | 1183rd of 3,080 |
| Wildfires | 2 | 0 | $3.5M | 38th of 67 | 633rd of 2,972 |
| Winter storms | 2 | 0 | $749K | 29th of 67 | 3005th of 3,077 |
| High wind and dust storms | 1 | 0 | $7K | 48th of 67 | 2892nd 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 Calhoun County record: every hazard by year and month, the deadliest events and FEMA's declarations.