Franklin County, Florida: hazard risk
FEMA rates Franklin County's overall risk Relatively Low (score 46.5 of 100, higher than 46% of rated U.S. counties). Its storm record holds 343 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 | 90.5 | $6.3M |
| Coastal Flooding | Relatively Moderate | 77.4 | $1.4M |
| Lightning | Relatively Moderate | 61.0 | $262K |
| Wildfire | Relatively Low | 77.6 | $244K |
| Cold Wave | Relatively Low | 43.5 | $568K |
| Tornado | Relatively Low | 32.5 | $447K |
| Heat Wave | Very Low | 35.9 | $142K |
| Earthquake | Very Low | 20.6 | $23K |
| Riverine Flooding | Very Low | 18.7 | $1.7M |
| Landslide | Very Low | 11.7 | $28 |
| Hail | Very Low | 11.0 | $27K |
| Strong Wind | Very Low | 7.7 | $42K |
| Winter Weather | Very Low | 6.8 | $4K |
| Drought | 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 | 91 | 0 | $471K | 50th of 67 | 2076th of 3,080 |
| Hurricanes and tropical storms | 59 | 2 | $401M | 3rd of 67 | 51st of 1,849 |
| Tornadoes | 48 | 6 | $15M | 20th of 67 | 123rd of 3,080 |
| Drought | 46 | 0 | – | 15th of 67 | 1095th of 3,063 |
| Floods | 22 | 0 | $1.7M | 45th of 67 | 2157th of 3,080 |
| Heat | 19 | 0 | – | 2nd of 67 | 993rd of 3,076 |
| Hail | 12 | 0 | – | 61st of 67 | 2713th of 3,080 |
| Heavy rain | 8 | 0 | – | 31st of 67 | 807th of 3,080 |
| Rip currents and high surf | 6 | 3 | $181K | 21st of 67 | 102nd of 2,080 |
| Extreme cold | 6 | 0 | $101K | 30th of 67 | 2222nd of 3,076 |
| Winter storms | 5 | 0 | $799K | 9th of 67 | 2956th of 3,077 |
| Wildfires | 4 | 0 | $940K | 29th of 67 | 374th of 2,972 |
| Lightning | 3 | 0 | $19K | 56th of 67 | 1475th of 3,080 |
| High wind and dust storms | 2 | 0 | $9K | 34th of 67 | 2763rd 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 Franklin County record: every hazard by year and month, the deadliest events and FEMA's declarations.