Union County, Florida: hazard risk
FEMA rates Union County's overall risk Very Low (score 10.9 of 100, higher than 10% of rated U.S. counties). Its storm record holds 164 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 Low | 81.5 | $2.2M |
| Wildfire | Relatively Low | 73.9 | $231K |
| Lightning | Relatively Low | 48.3 | $216K |
| Tornado | Relatively Low | 27.7 | $434K |
| Heat Wave | Very Low | 36.6 | $191K |
| Earthquake | Very Low | 26.7 | $52K |
| Drought | Very Low | 18.8 | $3K |
| Cold Wave | Very Low | 12.2 | $108K |
| Riverine Flooding | Very Low | 11.1 | $1.4M |
| Strong Wind | Very Low | 9.7 | $68K |
| Landslide | Very Low | 2.9 | $3 |
| Winter Weather | Very Low | 2.1 | $1K |
| Hail | Very Low | 1.5 | $2K |
| Coastal Flooding | 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. |
|---|---|---|---|---|---|
| Severe thunderstorm wind | 91 | 0 | $297K | 15th of 67 | 831st of 3,080 |
| Hail | 18 | 0 | – | 30th of 67 | 2173rd of 3,080 |
| Drought | 9 | 0 | – | 16th of 67 | 1194th of 3,063 |
| Hurricanes and tropical storms | 9 | 0 | – | 35th of 67 | 204th of 1,849 |
| Heavy rain | 8 | 0 | – | 16th of 67 | 354th of 3,080 |
| Tornadoes | 8 | 0 | $7.4M | 50th of 67 | 1391st of 3,080 |
| Floods | 7 | 0 | $2.4M | 41st of 67 | 2063rd of 3,080 |
| Wildfires | 6 | 0 | – | 7th of 67 | 97th of 2,972 |
| High wind and dust storms | 2 | 0 | $93K | 13th of 67 | 2459th of 3,080 |
| Lightning | 1 | 0 | – | 53rd of 67 | 1392nd of 3,080 |
| Winter storms | 1 | 0 | – | 22nd of 67 | 2988th 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 Union County record: every hazard by year and month, the deadliest events and FEMA's declarations.