Ranked from FEMA National Risk Index
Lowest Expected Disaster Loss per Household in Florida
The counties where FEMA's expected annual loss per household is smallest. Low exposure is one of the few housing-cost advantages that never shows up in the listing price. It shows up in what an insurer actually charges, which is not the same as the insurance figure in these tables, since that is a statewide average and cannot vary by county. 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.
Florida ranked
| # | County | Disaster loss per household | FEMA risk rating | Median home |
|---|---|---|---|---|
| 1 | Lake County | $641 | Relatively Moderate | $287,900 |
| 2 | Nassau County | $643 | Relatively Low | $351,100 |
| 3 | Duval County | $651 | Relatively High | $274,900 |
| 4 | Sumter County | $689 | Relatively Moderate | $356,000 |
| 5 | Seminole County | $697 | Relatively Moderate | $357,300 |
| 6 | Baker County | $698 | Very Low | $225,000 |
| 7 | Clay County | $699 | Relatively Moderate | $281,500 |
| 8 | Pinellas County | $717 | Relatively High | $319,000 |
| 9 | Hernando County | $747 | Relatively Moderate | $240,700 |
| 10 | Polk County | $768 | Relatively High | $240,000 |
| 11 | Alachua County | $795 | Relatively Moderate | $266,800 |
| 12 | Marion County | $803 | Relatively High | $220,800 |
| 13 | Columbia County | $821 | Relatively Low | $186,400 |
| 14 | Orange County | $821 | Relatively High | $358,300 |
| 15 | Volusia County | $824 | Relatively High | $278,000 |
| 16 | Flagler County | $828 | Relatively Moderate | $333,400 |
| 17 | Levy County | $851 | Relatively Low | $171,400 |
| 18 | Miami-Dade County | $855 | Very High | $425,400 |
| 19 | Broward County | $865 | Relatively High | $380,400 |
| 20 | Pasco County | $867 | Relatively High | $265,800 |
| 21 | Hillsborough County | $868 | Relatively High | $333,300 |
| 22 | Palm Beach County | $869 | Relatively High | $407,300 |
| 23 | St. Johns County | $891 | Relatively Moderate | $457,600 |
| 24 | Osceola County | $895 | Relatively Moderate | $317,600 |
| 25 | Putnam County | $959 | Relatively Low | $147,300 |
| 26 | Gilchrist County | $988 | Very Low | $191,000 |
| 27 | Highlands County | $1,016 | Relatively Moderate | $177,900 |
| 28 | Gadsden County | $1,173 | Relatively Low | $154,700 |
| 29 | Leon County | $1,183 | Relatively Moderate | $279,800 |
| 30 | Bradford County | $1,183 | Very Low | $180,300 |
| 31 | Union County | $1,185 | Very Low | $160,400 |
| 32 | Jefferson County | $1,280 | Very Low | $198,800 |
| 33 | Sarasota County | $1,329 | Relatively High | $373,100 |
| 34 | Escambia County | $1,354 | Relatively High | $234,200 |
| 35 | Lee County | $1,356 | Relatively High | $326,300 |
| 36 | Santa Rosa County | $1,421 | Relatively Moderate | $302,100 |
| 37 | St. Lucie County | $1,469 | Relatively High | $305,800 |
| 38 | Jackson County | $1,487 | Relatively Low | $113,900 |
| 39 | Charlotte County | $1,503 | Relatively High | $291,000 |
| 40 | Manatee County | $1,511 | Relatively High | $359,800 |
| 41 | Dixie County | $1,538 | Very Low | $96,900 |
| 42 | Madison County | $1,539 | Relatively Low | $105,900 |
| 43 | Brevard County | $1,546 | Relatively High | $304,400 |
| 44 | Wakulla County | $1,554 | Relatively Low | $216,300 |
| 45 | Suwannee County | $1,575 | Relatively Low | $160,900 |
| 46 | Okaloosa County | $1,599 | Relatively Moderate | $324,800 |
| 47 | Hendry County | $1,607 | Relatively Low | $189,700 |
| 48 | Citrus County | $1,608 | Relatively High | $223,200 |
| 49 | Okeechobee County | $1,749 | Relatively Low | $179,000 |
| 50 | Martin County | $1,760 | Relatively Moderate | $386,500 |
| 51 | Liberty County | $1,883 | Very Low | $117,600 |
| 52 | Glades County | $1,938 | Relatively Low | $114,800 |
| 53 | Hamilton County | $1,967 | Relatively Low | $110,400 |
| 54 | Washington County | $1,994 | Relatively Low | $156,000 |
| 55 | Holmes County | $2,004 | Relatively Low | $101,400 |
| 56 | Bay County | $2,075 | Relatively Moderate | $276,900 |
| 57 | DeSoto County | $2,076 | Relatively Moderate | $151,500 |
| 58 | Walton County | $2,096 | Relatively Moderate | $376,400 |
| 59 | Lafayette County | $2,132 | Very Low | $131,600 |
| 60 | Taylor County | $2,139 | Relatively Low | $100,200 |
| 61 | Franklin County | $2,269 | Relatively Low | $254,300 |
| 62 | Calhoun County | $2,297 | Relatively Low | $134,000 |
| 63 | Indian River County | $2,374 | Relatively High | $314,700 |
| 64 | Collier County | $2,476 | Relatively High | $486,800 |
| 65 | Monroe County | $2,693 | Relatively Moderate | $723,800 |
| 66 | Gulf County | $2,988 | Relatively Low | $235,700 |
| 67 | Hardee County | $3,121 | Relatively Low | $129,400 |
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
Lowest Expected Disaster Loss per Household across all 3,133 US counties · Every county in Florida