Indian River County, Florida: hazard risk
FEMA rates Indian River County's overall risk Relatively High (score 95.6 of 100, higher than 95% of rated U.S. counties); 3 of its 14 hazards are rated Relatively High or Very High, led by hurricane, lightning, strong wind. Its storm record holds 272 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 | Very High | 99.2 | $132M |
| Lightning | Relatively High | 94.4 | $1.4M |
| Strong Wind | Relatively High | 86.3 | $1.4M |
| Riverine Flooding | Relatively Moderate | 85.9 | $23M |
| Tornado | Relatively Moderate | 72.5 | $2.3M |
| Coastal Flooding | Relatively Moderate | 69.0 | $835K |
| Wildfire | Relatively Low | 88.2 | $863K |
| Heat Wave | Relatively Low | 63.1 | $555K |
| Drought | Relatively Low | 63.0 | $283K |
| Cold Wave | Relatively Low | 39.0 | $530K |
| Earthquake | Very Low | 32.3 | $78K |
| Landslide | Very Low | 13.9 | $45 |
| Hail | Very Low | 13.1 | $36K |
| Winter Weather | 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 | 77 | 0 | $1.7M | 44th of 67 | 1936th of 3,080 |
| Hail | 67 | 0 | $968 | 17th of 67 | 1535th of 3,080 |
| Tornadoes | 34 | 0 | $60M | 32nd of 67 | 428th of 3,080 |
| Hurricanes and tropical storms | 29 | 0 | $1.7B | 21st of 67 | 159th of 1,849 |
| Floods | 19 | 0 | $22M | 33rd of 67 | 1860th of 3,080 |
| Rip currents and high surf | 14 | 9 | – | 13th of 67 | 61st of 2,080 |
| Lightning | 8 | 1 | $2.4M | 35th of 67 | 461st of 3,080 |
| Extreme cold | 5 | 0 | $9.6M | 24th of 67 | 1977th of 3,076 |
| Heavy rain | 5 | 0 | – | 43rd of 67 | 1017th of 3,080 |
| High wind and dust storms | 1 | 1 | – | 44th of 67 | 2873rd 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 Indian River County record: every hazard by year and month, the deadliest events and FEMA's declarations.