Santa Rosa County, Florida: hazard risk
FEMA rates Santa Rosa County's overall risk Relatively Moderate (score 89.0 of 100, higher than 88% of rated U.S. counties); 2 of its 15 hazards are rated Relatively High or Very High, led by hurricane, lightning. Its storm record holds 733 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 High | 97.2 | $61M |
| Lightning | Relatively High | 95.3 | $2.5M |
| Tornado | Relatively Moderate | 89.6 | $9.0M |
| Heat Wave | Relatively Moderate | 86.9 | $3.1M |
| Riverine Flooding | Relatively Moderate | 73.7 | $20M |
| Coastal Flooding | Relatively Moderate | 70.8 | $1.5M |
| Cold Wave | Relatively Moderate | 66.9 | $2.4M |
| Wildfire | Relatively Low | 81.3 | $608K |
| Drought | Relatively Low | 44.3 | $127K |
| Winter Weather | Relatively Low | 37.7 | $54K |
| Hail | Relatively Low | 37.4 | $211K |
| Strong Wind | Relatively Low | 29.2 | $371K |
| Earthquake | Very Low | 51.0 | $378K |
| Landslide | Very Low | 32.7 | $495 |
| Ice Storm | Very Low | 21.9 | $25K |
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 | 294 | 0 | $3.9M | 35th of 67 | 1407th of 3,080 |
| Lightning | 107 | 2 | $1.9M | 6th of 67 | 43rd of 3,080 |
| Hail | 80 | 0 | $3.8M | 34th of 67 | 2223rd of 3,080 |
| Tornadoes | 75 | 17 | $32M | 28th of 67 | 265th of 3,080 |
| Floods | 73 | 0 | $22M | 20th of 67 | 1479th of 3,080 |
| Hurricanes and tropical storms | 39 | 2 | $301M | 48th of 67 | 314th of 1,849 |
| Rip currents and high surf | 18 | 15 | – | 17th of 67 | 78th of 2,080 |
| Winter storms | 7 | 0 | – | 16th of 67 | 2970th of 3,077 |
| Heavy rain | 6 | 0 | – | 52nd of 67 | 1484th of 3,080 |
| High wind and dust storms | 6 | 0 | $21K | 23rd of 67 | 2608th of 3,080 |
| Drought | 4 | 0 | – | 42nd of 67 | 2393rd of 3,063 |
| Heat | 4 | 0 | – | 25th of 67 | 2198th of 3,076 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Santa Rosa County record: every hazard by year and month, the deadliest events and FEMA's declarations.