Jefferson County, Florida: hazard risk
FEMA rates Jefferson County's overall risk Very Low (score 39.0 of 100, higher than 38% of rated U.S. counties). Its storm record holds 450 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 | 86.7 | $2.9M |
| Wildfire | Relatively Low | 71.3 | $114K |
| Cold Wave | Relatively Low | 60.8 | $865K |
| Tornado | Relatively Low | 57.3 | $947K |
| Lightning | Relatively Low | 53.6 | $160K |
| Heat Wave | Relatively Low | 44.7 | $172K |
| Strong Wind | Relatively Low | 17.3 | $90K |
| Coastal Flooding | Very Low | 39.4 | $9K |
| Earthquake | Very Low | 30.8 | $50K |
| Drought | Very Low | 30.0 | $15K |
| Riverine Flooding | Very Low | 28.1 | $2.0M |
| Landslide | Very Low | 14.9 | $37 |
| Winter Weather | Very Low | 10.2 | $5K |
| Hail | Very Low | 8.8 | $15K |
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 | 259 | 0 | $713K | 21st of 67 | 1039th of 3,080 |
| Drought | 54 | 0 | – | 5th of 67 | 848th of 3,063 |
| Hurricanes and tropical storms | 42 | 1 | $91M | 14th of 67 | 122nd of 1,849 |
| Hail | 22 | 0 | $9K | 54th of 67 | 2613th of 3,080 |
| Floods | 17 | 0 | $636K | 51st of 67 | 2290th of 3,080 |
| Tornadoes | 17 | 0 | $657K | 56th of 67 | 1720th of 3,080 |
| Heat | 14 | 0 | – | 11th of 67 | 1356th of 3,076 |
| Heavy rain | 13 | 0 | – | 41st of 67 | 984th of 3,080 |
| Extreme cold | 5 | 0 | $101K | 36th of 67 | 2280th of 3,076 |
| Winter storms | 5 | 0 | $749K | 14th of 67 | 2968th of 3,077 |
| Lightning | 1 | 0 | $8K | 64th of 67 | 2024th 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 Jefferson County record: every hazard by year and month, the deadliest events and FEMA's declarations.