Lafayette County, Florida: hazard risk
FEMA rates Lafayette County's overall risk Very Low (score 15.9 of 100, higher than 15% of rated U.S. counties). Its storm record holds 199 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 | 84.4 | $3.1M |
| Lightning | Relatively Low | 36.7 | $127K |
| Cold Wave | Relatively Low | 25.4 | $300K |
| Wildfire | Very Low | 59.7 | $74K |
| Heat Wave | Very Low | 25.7 | $92K |
| Drought | Very Low | 24.2 | $9K |
| Earthquake | Very Low | 22.5 | $32K |
| Coastal Flooding | Very Low | 22.0 | $684 |
| Tornado | Very Low | 19.5 | $201K |
| Riverine Flooding | Very Low | 14.7 | $1.6M |
| Landslide | Very Low | 6.5 | $11 |
| Strong Wind | Very Low | 4.3 | $26K |
| Winter Weather | Very Low | 2.6 | $1K |
| Hail | Very Low | 2.3 | $3K |
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 | 94 | 0 | $176K | 48th of 67 | 2055th of 3,080 |
| Drought | 24 | 0 | – | 13th of 67 | 1064th of 3,063 |
| Hurricanes and tropical storms | 23 | 0 | $1.1B | 20th of 67 | 155th of 1,849 |
| Floods | 17 | 0 | $1.8M | 44th of 67 | 2154th of 3,080 |
| Tornadoes | 10 | 0 | $15M | 61st of 67 | 2091st of 3,080 |
| Hail | 7 | 0 | – | 66th of 67 | 2800th of 3,080 |
| Heavy rain | 7 | 0 | – | 53rd of 67 | 1523rd of 3,080 |
| Heat | 6 | 0 | – | 13th of 67 | 1408th of 3,076 |
| Wildfires | 5 | 0 | $428K | 23rd of 67 | 300th of 2,972 |
| Extreme cold | 2 | 0 | $50K | 41st of 67 | 2443rd of 3,076 |
| Winter storms | 2 | 0 | – | 26th of 67 | 3000th 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 Lafayette County record: every hazard by year and month, the deadliest events and FEMA's declarations.