Union County, Florida Natural Disaster Risk
FEMA National Risk Index assessment · FL
Very LowComposite Risk Score
National percentile: 11th
Union County faces very low composite natural disaster risk (NRI Risk Index score 10.9, 11th national percentile), driven primarily by hurricane and wildfire exposure. Expected annual loss across all 18 hazard types is $5M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Risk Overview
Overall natural disaster risk in Union County is very low, with a National Risk Index score of 10.9 out of 100 — placing it in the 11th national percentile and among the lowest-risk counties in the country. The score blends Expected Annual Loss, Social Vulnerability, and Community Resilience across all 18 FEMA hazard types.
Risk here concentrates in hurricane (tropical cyclones bringing extreme wind, rain, and storm surge) at Low risk — $2M in expected annual loss and about 0.21 events per year; wildfire (uncontrolled fires that spread across wildland and into communities) at Low risk — $231K in expected annual loss and about 0.00 events per year; and lightning (electrical discharges from storms that ignite fires and cause casualties) at Low risk — $216K in expected annual loss and about 82.11 events per year. Across all hazards, FEMA estimates $5M in expected annual loss for a population of 16K.
Beyond physical exposure, Union County has a low social vulnerability rating (how susceptible the population is to harm) and a low community resilience rating (its capacity to prepare for and recover from disasters). Both measures sit toward the lower end, indicating relatively modest population sensitivity.
History supports the rating: Union County has received 34 federal disaster declarations since 1992, including 16 for hurricane events and 6 for severe storm events. The most recent was Hurricane Milton (hurricane), declared in October 2024.
Among 67 Florida counties, Union County ranks #67 for overall natural disaster risk.
Top Hazards
All 18 Hazard Risks
| Hurricane | Low | 0.21 / yr | $2M |
| Wildfire | Low | 0.00 / yr | $231K |
| Lightning | Low | 82.11 / yr | $216K |
| Heat Wave | Very Low | 3.53 / yr | $191K |
| Tornado | Low | 0.13 / yr | $434K |
| Earthquake | Very Low | 0.00 / yr | $52K |
| Drought | Very Low | 17.00 / yr | $3K |
| Cold Wave | Very Low | 1.84 / yr | $108K |
| Riverine Flood | Very Low | 0.25 / yr | $1M |
| Strong Wind | Very Low | 1.03 / yr | $68K |
| Landslide | Very Low | 0.03 / yr | $3 |
| Winter Weather | Very Low | 0.11 / yr | $1K |
| Hail | Very Low | 1.83 / yr | $2K |
| 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
Union County has received 34 federal disaster declarations since 1992, most recently Hurricane Milton in October 2024. Most frequent causes: Hurricane (16), Severe Storm (6), 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 |
| August 2023 | Hurricane | Hurricane Idalia |
| August 2023 | Tropical Storm | Tropical Storm Idalia |
| December 2022 | Hurricane | Hurricane Nicole |
| September 2022 | Hurricane | Hurricane Ian |
Showing the 10 most recent of 34 declarations.
Source: FEMA Disaster Declarations Summaries (OpenFEMA).
Frequently Asked Questions
What is the overall natural disaster risk for Union County?
Union County has a composite FEMA National Risk Index score of 10.9 out of 100, placing it in the Very Low category and the 11th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Union County?
The three highest-rated hazards are Hurricane (Low, $2M EAL), Wildfire (Low, $231K EAL), Lightning (Low, $216K EAL). These account for most of the county's expected annual losses.
How does Union County compare to other Florida counties?
Union County ranks #67 of 67 Florida counties for overall natural disaster risk, with a very low rating.
How many federally declared disasters has Union County had?
FEMA records 34 federal disaster declarations for Union County since 1992, most often 16 for hurricane events and 6 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. Union County's $5M EAL is a statistical average, not a guarantee for any specific year or address.