Monroe County, Florida: hazard risk
FEMA rates Monroe County's overall risk Relatively Moderate (score 91.6 of 100, higher than 91% of rated U.S. counties); 3 of its 14 hazards are rated Relatively High or Very High, led by coastal flooding, hurricane, lightning. Its storm record holds 799 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 |
|---|---|---|---|
| Coastal Flooding | Very High | 98.8 | $21M |
| Hurricane | Relatively High | 98.0 | $65M |
| Lightning | Relatively High | 87.1 | $906K |
| Heat Wave | Relatively Low | 65.8 | $668K |
| Riverine Flooding | Relatively Low | 42.9 | $4.7M |
| Strong Wind | Relatively Low | 32.4 | $284K |
| Wildfire | Very Low | 61.9 | $85K |
| Tornado | Very Low | 25.6 | $338K |
| Landslide | Very Low | 18.0 | $81 |
| Hail | Very Low | 16.8 | $52K |
| Earthquake | Very Low | 6.4 | $5K |
| Cold Wave | Very Low | 4.1 | $6K |
| Drought | No Rating | 0.0 | $0 |
| 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. |
|---|---|---|---|---|---|
| Hurricanes and tropical storms | 127 | 14 | $595M | 8th of 67 | 89th of 1,849 |
| Severe thunderstorm wind | 109 | 1 | $250K | 60th of 67 | 2416th of 3,080 |
| Tornadoes | 78 | 0 | $105M | 24th of 67 | 220th of 3,080 |
| Floods | 43 | 0 | $164K | 37th of 67 | 1945th of 3,080 |
| Drought | 23 | 0 | – | 24th of 67 | 1531st of 3,063 |
| Lightning | 13 | 0 | $95K | 38th of 67 | 531st of 3,080 |
| Hail | 12 | 0 | $401 | 67th of 67 | 2862nd of 3,080 |
| Heavy rain | 12 | 0 | – | 37th of 67 | 928th of 3,080 |
| High wind and dust storms | 11 | 2 | $60K | 18th of 67 | 2527th of 3,080 |
| Rip currents and high surf | 3 | 0 | – | 24th of 67 | 159th of 2,080 |
| Wildfires | 1 | 0 | – | 54th of 67 | 1143rd of 2,972 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Monroe County record: every hazard by year and month, the deadliest events and FEMA's declarations.