Gadsden County, Florida: hazard risk
FEMA rates Gadsden County's overall risk Relatively Low (score 72.4 of 100, higher than 72% of rated U.S. counties); 1 of its 13 hazards are rated Relatively High or Very High, led by lightning. Its storm record holds 356 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 |
|---|---|---|---|
| Lightning | Relatively High | 86.1 | $609K |
| Hurricane | Relatively Moderate | 91.4 | $6.2M |
| Tornado | Relatively Moderate | 83.8 | $3.0M |
| Cold Wave | Relatively Moderate | 82.4 | $2.6M |
| Drought | Relatively Moderate | 77.5 | $496K |
| Wildfire | Relatively Low | 79.6 | $246K |
| Heat Wave | Relatively Low | 67.7 | $509K |
| Riverine Flooding | Relatively Low | 57.7 | $5.2M |
| Strong Wind | Relatively Low | 32.9 | $203K |
| Landslide | Very Low | 48.9 | $789 |
| Earthquake | Very Low | 44.3 | $124K |
| Hail | Very Low | 26.5 | $62K |
| Winter Weather | Very Low | 18.4 | $10K |
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 | 198 | 0 | $592K | 23rd of 67 | 1066th of 3,080 |
| Tornadoes | 35 | 2 | $14M | 30th of 67 | 330th of 3,080 |
| Drought | 34 | 0 | – | 3rd of 67 | 677th of 3,063 |
| Hail | 31 | 0 | – | 42nd of 67 | 2404th of 3,080 |
| Hurricanes and tropical storms | 22 | 3 | $534M | 18th of 67 | 140th of 1,849 |
| Floods | 19 | 0 | $199K | 35th of 67 | 1885th of 3,080 |
| Heat | 7 | 0 | – | 9th of 67 | 1235th of 3,076 |
| Extreme cold | 3 | 0 | $50K | 28th of 67 | 2190th of 3,076 |
| Lightning | 3 | 2 | $16K | 49th of 67 | 1113th of 3,080 |
| Winter storms | 3 | 0 | $749K | 8th of 67 | 2952nd of 3,077 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Gadsden County record: every hazard by year and month, the deadliest events and FEMA's declarations.