Ranked from FEMA National Risk Index
Highest Expected Disaster Loss per Household in Florida
FEMA publishes an expected annual loss for every county, but the raw figure tracks how much there is to lose, so a national list of it is really a list of large metros. Dividing by occupied housing units gives the number an individual owner can use. Expected annual loss is FEMA's National Risk Index figure for the county, divided by the number of occupied housing units the Census reports there. It is an actuarial average, not a forecast for any one year.
Florida ranked
| # | County | Disaster loss per household | FEMA risk rating | Median home |
|---|---|---|---|---|
| 1 | Hardee County | $3,121 | Relatively Low | $129,400 |
| 2 | Gulf County | $2,988 | Relatively Low | $235,700 |
| 3 | Monroe County | $2,693 | Relatively Moderate | $723,800 |
| 4 | Collier County | $2,476 | Relatively High | $486,800 |
| 5 | Indian River County | $2,374 | Relatively High | $314,700 |
| 6 | Calhoun County | $2,297 | Relatively Low | $134,000 |
| 7 | Franklin County | $2,269 | Relatively Low | $254,300 |
| 8 | Taylor County | $2,139 | Relatively Low | $100,200 |
| 9 | Lafayette County | $2,132 | Very Low | $131,600 |
| 10 | Walton County | $2,096 | Relatively Moderate | $376,400 |
| 11 | DeSoto County | $2,076 | Relatively Moderate | $151,500 |
| 12 | Bay County | $2,075 | Relatively Moderate | $276,900 |
| 13 | Holmes County | $2,004 | Relatively Low | $101,400 |
| 14 | Washington County | $1,994 | Relatively Low | $156,000 |
| 15 | Hamilton County | $1,967 | Relatively Low | $110,400 |
| 16 | Glades County | $1,938 | Relatively Low | $114,800 |
| 17 | Liberty County | $1,883 | Very Low | $117,600 |
| 18 | Martin County | $1,760 | Relatively Moderate | $386,500 |
| 19 | Okeechobee County | $1,749 | Relatively Low | $179,000 |
| 20 | Citrus County | $1,608 | Relatively High | $223,200 |
| 21 | Hendry County | $1,607 | Relatively Low | $189,700 |
| 22 | Okaloosa County | $1,599 | Relatively Moderate | $324,800 |
| 23 | Suwannee County | $1,575 | Relatively Low | $160,900 |
| 24 | Wakulla County | $1,554 | Relatively Low | $216,300 |
| 25 | Brevard County | $1,546 | Relatively High | $304,400 |
| 26 | Madison County | $1,539 | Relatively Low | $105,900 |
| 27 | Dixie County | $1,538 | Very Low | $96,900 |
| 28 | Manatee County | $1,511 | Relatively High | $359,800 |
| 29 | Charlotte County | $1,503 | Relatively High | $291,000 |
| 30 | Jackson County | $1,487 | Relatively Low | $113,900 |
| 31 | St. Lucie County | $1,469 | Relatively High | $305,800 |
| 32 | Santa Rosa County | $1,421 | Relatively Moderate | $302,100 |
| 33 | Lee County | $1,356 | Relatively High | $326,300 |
| 34 | Escambia County | $1,354 | Relatively High | $234,200 |
| 35 | Sarasota County | $1,329 | Relatively High | $373,100 |
| 36 | Jefferson County | $1,280 | Very Low | $198,800 |
| 37 | Union County | $1,185 | Very Low | $160,400 |
| 38 | Bradford County | $1,183 | Very Low | $180,300 |
| 39 | Leon County | $1,183 | Relatively Moderate | $279,800 |
| 40 | Gadsden County | $1,173 | Relatively Low | $154,700 |
| 41 | Highlands County | $1,016 | Relatively Moderate | $177,900 |
| 42 | Gilchrist County | $988 | Very Low | $191,000 |
| 43 | Putnam County | $959 | Relatively Low | $147,300 |
| 44 | Osceola County | $895 | Relatively Moderate | $317,600 |
| 45 | St. Johns County | $891 | Relatively Moderate | $457,600 |
| 46 | Palm Beach County | $869 | Relatively High | $407,300 |
| 47 | Hillsborough County | $868 | Relatively High | $333,300 |
| 48 | Pasco County | $867 | Relatively High | $265,800 |
| 49 | Broward County | $865 | Relatively High | $380,400 |
| 50 | Miami-Dade County | $855 | Very High | $425,400 |
| 51 | Levy County | $851 | Relatively Low | $171,400 |
| 52 | Flagler County | $828 | Relatively Moderate | $333,400 |
| 53 | Volusia County | $824 | Relatively High | $278,000 |
| 54 | Orange County | $821 | Relatively High | $358,300 |
| 55 | Columbia County | $821 | Relatively Low | $186,400 |
| 56 | Marion County | $803 | Relatively High | $220,800 |
| 57 | Alachua County | $795 | Relatively Moderate | $266,800 |
| 58 | Polk County | $768 | Relatively High | $240,000 |
| 59 | Hernando County | $747 | Relatively Moderate | $240,700 |
| 60 | Pinellas County | $717 | Relatively High | $319,000 |
| 61 | Clay County | $699 | Relatively Moderate | $281,500 |
| 62 | Baker County | $698 | Very Low | $225,000 |
| 63 | Seminole County | $697 | Relatively Moderate | $357,300 |
| 64 | Sumter County | $689 | Relatively Moderate | $356,000 |
| 65 | Duval County | $651 | Relatively High | $274,900 |
| 66 | Nassau County | $643 | Relatively Low | $351,100 |
| 67 | Lake County | $641 | Relatively Moderate | $287,900 |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Highest Expected Disaster Loss per Household across all 3,133 US counties · Every county in Florida