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Florida · Risk Readiness
What's actually likely where you live.
Before the emergency — maps, tools, and the honest picture of what Florida throws at different parts of the state.
See FL hazardsFL hazard profile
Primary hazards. Ranked.
Florida is the most hurricane-exposed state in the country. The panhandle faces Gulf storms; the peninsula faces both Atlantic and Gulf threats. Hurricane season is June 1 to November 30. Know your evacuation zone — floridadisaster.org has county-level zone maps. Don't wait for the mandatory order. Storm surge — not wind — is the deadliest hurricane hazard. A Category 4 hitting Tampa Bay could push 15-20 feet of water inland. Even outside hurricane season, South Florida's summer rain season causes routine flash flooding. Much of Miami-Dade sits at 6 feet above sea level or less. Florida averages 66 tornadoes per year — more than any other southeastern state. They occur year-round (unlike the Midwest's spring peak) and often form from tropical bands with little warning. Central Florida is the most active zone.
Hurricanes & tropical storms
Direct landfalls and tropical moisture bring catastrophic wind, surge, and inland flooding.
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Flooding
Flash floods, river flooding, and coastal surge affect low-lying areas and river corridors.
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Tornadoes
Occur across most of the state, often embedded in severe thunderstorm lines and tropical systems.
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Severe thunderstorms
Damaging straight-line winds, large hail, and lightning — March through October.
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Heat waves
Extreme heat events endanger vulnerable residents and stress power infrastructure.
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Official tools
Look up your address. Know your risk.
FEMA Flood Zone Lookup
Enter your address to see your flood zone designation and insurance requirements.
Source: FEMA
USGS Earthquake Map
Real-time earthquake activity and seismic hazard maps for your region.
Source: USGS
Wildfire Risk Score
Your property's wildfire exposure score based on vegetation, terrain, and proximity to wildland.
Source: USFS
River Gauges
Real-time river levels and flood stage by county.
Source: USGS WaterWatch
Drought Monitor
Weekly drought conditions by county.
Source: US Drought Monitor
Private Well Resources
Water quality guidance for households on private wells.
Source: EPA
Insurance gaps
What your homeowner's policy doesn't cover.
Standard homeowner's policies in Florida exclude flood damage. Flood insurance through the NFIP has a 30-day waiting period — it cannot be purchased when a storm is forecast. Check your declarations page annually to confirm your coverage limits and deductibles.
Not in your standard policy
Flood damage — requires NFIP or private flood policy
Earthquake damage — requires separate endorsement
Sewer & drain backup — requires endorsement ($50–$100/yr)
Landslide / mudflow — generally excluded
Next steps
Where do you want to go next?
During an emergency
Find alerts, contacts, and shelters.
NC emergency contacts, alert signups, and real-time information.
Local EmergencyGet prepared
Run through the FL checklist.
Step-by-step actions based on the hazards that apply to Florida.
FL Checklists