Safest places to live in Florida from natural disasters
The lowest natural-disaster risk in Florida is in Baker County, Union County, Bradford County, where FEMA rates few or no severe perils. The most exposed county is Bay County, driven by hurricane. This page ranks every Florida county by physical peril exposure, from official FEMA National Risk Index data.
Lowest-risk counties in Florida
| County | Physical risk | Top severe peril |
|---|---|---|
| Baker County | Low | none rated high |
| Union County | Low | none rated high |
| Bradford County | Low | hurricane |
| Calhoun County | Low | hurricane |
| Clay County | Low | hurricane |
| Columbia County | Low | hurricane |
| Dixie County | Low | hurricane |
| Franklin County | Low | hurricane |
Highest-risk counties in Florida
| County | Physical risk | Driven by |
|---|---|---|
| Bay County | High | hurricane |
| Brevard County | High | hurricane |
| Broward County | High | hurricane |
| Charlotte County | High | hurricane |
| Citrus County | High | hurricane |
Dominant perils in Florida
Across Florida, the perils most often rated Relatively High or higher by FEMA are hurricane, coastal flooding, tornado. County rankings reflect physical exposure, not dollar value, so a county can rank low here even if it is densely developed. For a specific property, the flood zone and exact peril ratings matter more than the county summary.
Look up any Florida address on the Safe Havens map, or read how Plattow scores risk and FEMA flood zones. See all states on the states index.