Okaloosa County, Florida: hazard risk
FEMA rates Okaloosa County's overall risk Relatively Moderate (score 92.5 of 100, higher than 92% of rated U.S. counties); 3 of its 15 hazards are rated Relatively High or Very High, led by lightning, hurricane, tornado. Its storm record holds 665 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 |
|---|---|---|---|
| Lightning | Very High | 99.1 | $5.0M |
| Hurricane | Very High | 98.1 | $87M |
| Tornado | Relatively High | 94.2 | $12M |
| Heat Wave | Relatively Moderate | 88.8 | $3.0M |
| Riverine Flooding | Relatively Moderate | 80.4 | $22M |
| Strong Wind | Relatively Moderate | 73.2 | $1.2M |
| Cold Wave | Relatively Moderate | 72.7 | $2.6M |
| Coastal Flooding | Relatively Moderate | 62.6 | $730K |
| Wildfire | Relatively Low | 75.7 | $307K |
| Earthquake | Relatively Low | 62.3 | $569K |
| Winter Weather | Relatively Low | 46.9 | $64K |
| Ice Storm | Relatively Low | 36.6 | $49K |
| Landslide | Very Low | 45.2 | $1K |
| Hail | Very Low | 28.9 | $123K |
| Drought | Very Low | 20.9 | $5K |
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 | 276 | 0 | $15M | 34th of 67 | 1391st of 3,080 |
| Tornadoes | 100 | 4 | $153M | 13th of 67 | 64th of 3,080 |
| Floods | 72 | 1 | $4.2M | 18th of 67 | 1376th of 3,080 |
| Hail | 66 | 0 | $14K | 39th of 67 | 2360th of 3,080 |
| Lightning | 46 | 5 | $2.1M | 12th of 67 | 113th of 3,080 |
| Hurricanes and tropical storms | 42 | 1 | $129M | 44th of 67 | 281st of 1,849 |
| Rip currents and high surf | 27 | 22 | – | 14th of 67 | 64th of 2,080 |
| Winter storms | 8 | 0 | – | 10th of 67 | 2958th of 3,077 |
| Drought | 4 | 0 | – | 41st of 67 | 2383rd of 3,063 |
| Heat | 4 | 0 | – | 24th of 67 | 2174th of 3,076 |
| High wind and dust storms | 4 | 0 | $12K | 32nd of 67 | 2717th 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 Okaloosa County record: every hazard by year and month, the deadliest events and FEMA's declarations.