Hamilton County, Florida: hazard risk
FEMA rates Hamilton County's overall risk Relatively Low (score 43.0 of 100, higher than 42% of rated U.S. counties); 1 of its 13 hazards are rated Relatively High or Very High, led by lightning. Its storm record holds 277 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 | 88.8 | $698K |
| Hurricane | Relatively Moderate | 90.1 | $4.8M |
| Wildfire | Relatively Low | 69.3 | $106K |
| Heat Wave | Relatively Low | 40.8 | $151K |
| Drought | Relatively Low | 38.5 | $37K |
| Tornado | Relatively Low | 33.4 | $396K |
| Cold Wave | Relatively Low | 32.6 | $300K |
| Earthquake | Very Low | 39.4 | $94K |
| Riverine Flooding | Very Low | 25.9 | $1.9M |
| Landslide | Very Low | 16.6 | $48 |
| Strong Wind | Very Low | 11.3 | $53K |
| Winter Weather | Very Low | 5.3 | $2K |
| Hail | Very Low | 4.4 | $6K |
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 | 151 | 0 | $638K | 33rd of 67 | 1387th of 3,080 |
| Hail | 51 | 0 | – | 35th of 67 | 2251st of 3,080 |
| Heavy rain | 22 | 0 | – | 15th of 67 | 236th of 3,080 |
| Drought | 14 | 0 | – | 29th of 67 | 1859th of 3,063 |
| Floods | 13 | 0 | $1.6M | 52nd of 67 | 2296th of 3,080 |
| Hurricanes and tropical storms | 9 | 2 | – | 57th of 67 | 375th of 1,849 |
| Tornadoes | 8 | 0 | $907K | 65th of 67 | 2201st of 3,080 |
| Wildfires | 3 | 0 | – | 34th of 67 | 449th of 2,972 |
| Lightning | 2 | 1 | – | 54th of 67 | 1435th of 3,080 |
| Winter storms | 2 | 0 | – | 24th of 67 | 2995th 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 Hamilton County record: every hazard by year and month, the deadliest events and FEMA's declarations.