Martin County, Florida: hazard risk
FEMA rates Martin County's overall risk Relatively Moderate (score 94.1 of 100, higher than 94% 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 270 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 | 98.7 | $92M |
| Lightning | Relatively High | 95.8 | $1.7M |
| Strong Wind | Relatively High | 87.8 | $1.4M |
| Wildfire | Relatively Moderate | 90.4 | $1.2M |
| Riverine Flooding | Relatively Moderate | 83.3 | $18M |
| Tornado | Relatively Moderate | 74.8 | $2.5M |
| Coastal Flooding | Relatively Moderate | 73.0 | $1.1M |
| Heat Wave | Relatively Low | 67.9 | $656K |
| Drought | Relatively Low | 61.1 | $242K |
| Hail | Relatively Low | 37.2 | $128K |
| Cold Wave | Relatively Low | 35.3 | $426K |
| Landslide | Very Low | 33.5 | $324 |
| Earthquake | Very Low | 21.4 | $26K |
| 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. |
|---|---|---|---|---|---|
| Hail | 64 | 0 | $10K | 24th of 67 | 1959th of 3,080 |
| Severe thunderstorm wind | 63 | 1 | $1.6M | 56th of 67 | 2360th of 3,080 |
| Tornadoes | 42 | 0 | $23M | 26th of 67 | 233rd of 3,080 |
| Hurricanes and tropical storms | 29 | 1 | $1.7B | 24th of 67 | 167th of 1,849 |
| Floods | 19 | 1 | $12M | 34th of 67 | 1881st of 3,080 |
| Rip currents and high surf | 12 | 8 | – | 16th of 67 | 71st of 2,080 |
| Lightning | 10 | 2 | $719K | 32nd of 67 | 406th of 3,080 |
| Heavy rain | 7 | 0 | – | 28th of 67 | 711th of 3,080 |
| Extreme cold | 4 | 0 | $7.8M | 25th of 67 | 2041st of 3,076 |
| Heat | 1 | 0 | – | 28th of 67 | 2215th of 3,076 |
| High wind and dust storms | 1 | 0 | – | 46th of 67 | 2885th 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 Martin County record: every hazard by year and month, the deadliest events and FEMA's declarations.