Monroe County
Florida — Natural Disaster Risk Assessment
MediumComposite Risk Score
National percentile: 92th
Monroe County faces medium composite natural disaster risk (NRI Risk Index score 91.6, 92th national percentile), driven primarily by coastal flood and hurricane exposure. Expected annual loss across all 18 hazard types is $93M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Top Hazards
All 18 Hazard Risks
| Coastal Flood | Very High | 2.28 / yr | $21M |
| Hurricane | High | 0.29 / yr | $65M |
| Lightning | High | 101.34 / yr | $906K |
| Heat Wave | Low | 4.14 / yr | $668K |
| Wildfire | Very Low | 0.00 / yr | $85K |
| Riverine Flood | Low | 0.54 / yr | $5M |
| Strong Wind | Low | 0.59 / yr | $284K |
| Tornado | Very Low | 1.08 / yr | $338K |
| Landslide | Very Low | 0.09 / yr | $81 |
| Hail | Very Low | 0.43 / yr | $52K |
| Earthquake | Very Low | 0.00 / yr | $5K |
| Cold Wave | Very Low | 1.02 / yr | $6K |
| Avalanche | Very Low | 0.00 / yr | $0 |
| Drought | Very Low | 5.68 / 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 |
| Winter Weather | Very Low | 0.00 / yr | $0 |
Frequently Asked Questions
What is the overall natural disaster risk for Monroe County?
Monroe County has a composite FEMA National Risk Index score of 91.6 out of 100, placing it in the Medium category and the 92th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Monroe County?
The three highest-rated hazards are Coastal Flood (Very High, $21M EAL), Hurricane (High, $65M EAL), Lightning (High, $906K EAL). These account for most of the county's expected annual losses.
How does Monroe County compare to other Florida counties?
Monroe County ranks #28 of 67 Florida counties for overall natural disaster risk, with a medium rating.
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. Monroe County's $93M EAL is a statistical average, not a guarantee for any specific year or address.