Hamilton County, Florida Natural Disaster Risk
FEMA National Risk Index assessment · FL
LowComposite Risk Score
National percentile: 43th
Hamilton County faces low composite natural disaster risk (NRI Risk Index score 43.0, 43th national percentile), driven primarily by hurricane and lightning exposure. Expected annual loss across all 18 hazard types is $9M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Risk Overview
Overall natural disaster risk in Hamilton County is low, with a National Risk Index score of 43.0 out of 100 — placing it in the 43rd national percentile and below the national average for natural-disaster risk. The score blends Expected Annual Loss, Social Vulnerability, and Community Resilience across all 18 FEMA hazard types.
The county's risk is driven primarily by hurricane (tropical cyclones bringing extreme wind, rain, and storm surge) at Medium risk — $5M in expected annual loss and about 0.25 events per year; lightning (electrical discharges from storms that ignite fires and cause casualties) at High risk — $698K in expected annual loss and about 79.44 events per year; and wildfire (uncontrolled fires that spread across wildland and into communities) at Low risk — $106K in expected annual loss and about 0.00 events per year. Across all hazards, FEMA estimates $9M in expected annual loss for a population of 14K.
Beyond physical exposure, Hamilton County has a very high social vulnerability rating (how susceptible the population is to harm) and a very low community resilience rating (its capacity to prepare for and recover from disasters). That combination — a more vulnerable population with limited resilience — can amplify the human cost of any given event.
The federal record bears this out: Hamilton County has received 37 federal disaster declarations since 1973, including 16 for hurricane events and 7 for severe storm events. The most recent was Hurricane Milton (hurricane), declared in October 2024.
Among 67 Florida counties, Hamilton County ranks #59 for overall natural disaster risk.
Top Hazards
All 18 Hazard Risks
| Hurricane | Medium | 0.25 / yr | $5M |
| Lightning | High | 79.44 / yr | $698K |
| Wildfire | Low | 0.00 / yr | $106K |
| Heat Wave | Low | 4.09 / yr | $151K |
| Earthquake | Very Low | 0.00 / yr | $94K |
| Drought | Low | 15.22 / yr | $37K |
| Tornado | Low | 0.22 / yr | $396K |
| Cold Wave | Low | 1.79 / yr | $300K |
| Riverine Flood | Very Low | 0.36 / yr | $2M |
| Landslide | Very Low | 0.09 / yr | $48 |
| Strong Wind | Very Low | 0.97 / yr | $53K |
| Winter Weather | Very Low | 0.16 / yr | $2K |
| Hail | Very Low | 1.28 / yr | $6K |
| Avalanche | Very Low | 0.00 / yr | $0 |
| Coastal Flood | Very Low | 0.00 / yr | $0 |
| Ice Storm | Very Low | 0.00 / yr | $0 |
| Tsunami | Very Low | 0.00 / yr | $0 |
| Volcanic Activity | Very Low | 0.00 / yr | $0 |
Disaster History
Hamilton County has received 37 federal disaster declarations since 1973, most recently Hurricane Milton in October 2024. Most frequent causes: Hurricane (16), Severe Storm (7), Fire (5).
| Declared | Type | Disaster |
|---|---|---|
| October 2024 | Hurricane | Hurricane Milton |
| October 2024 | Hurricane | Hurricane Milton |
| September 2024 | Hurricane | Hurricane Helene |
| September 2024 | Tropical Storm | Tropical Storm Helene |
| August 2024 | Tropical Storm | Hurricane Debby |
| August 2024 | Tropical Storm | Tropical Storm Debby |
| June 2024 | Severe Storm | Severe Storms, Straight-Line Winds, and Tornadoes |
| August 2023 | Hurricane | Hurricane Idalia |
| August 2023 | Tropical Storm | Tropical Storm Idalia |
| December 2022 | Hurricane | Hurricane Nicole |
Showing the 10 most recent of 37 declarations.
Source: FEMA Disaster Declarations Summaries (OpenFEMA).
Frequently Asked Questions
What is the overall natural disaster risk for Hamilton County?
Hamilton County has a composite FEMA National Risk Index score of 43.0 out of 100, placing it in the Low category and the 43th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Hamilton County?
The three highest-rated hazards are Hurricane (Medium, $5M EAL), Lightning (High, $698K EAL), Wildfire (Low, $106K EAL). These account for most of the county's expected annual losses.
How does Hamilton County compare to other Florida counties?
Hamilton County ranks #59 of 67 Florida counties for overall natural disaster risk, with a low rating.
How many federally declared disasters has Hamilton County had?
FEMA records 37 federal disaster declarations for Hamilton County since 1973, most often 16 for hurricane events and 7 for severe storm events. The most recent was Hurricane Milton, declared in October 2024.
What does Expected Annual Loss (EAL) mean?
EAL is FEMA's estimate of average annual dollar losses from natural hazards, calculated from historical event data and exposure models. Hamilton County's $9M EAL is a statistical average, not a guarantee for any specific year or address.