Natural Disaster Risk in Cedar Key
Florida
Risk Summary for Cedar Key
Cedar Key scores 5.4/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Coastal Flooding.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — standard coverage usually sufficient
This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Cedar Key, Florida
Cedar Key is a small community of about 1,322 in Levy County, in the Deep South. The area experiences warm temperatures year-round and high humidity, with a June–November hurricane season that defines the risk landscape shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Cedar Key.
According to FEMA's National Risk Index, Cedar Key carries an overall risk score of 5.4/10, placing it in the moderate category. Coastal flood risk defines the local natural hazard environment, with sea-level rise trends gradually increasing the frequency of tidal flooding events alongside storm surge threats. The area also faces notable exposure to hurricane and lightning.
Cedar Key's risk score, near the 5.7/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Levy County, the highest-scoring are coastal flood, hurricane, and lightning. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
With a moderate risk rating, Cedar Key residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for coastal flood is recommended.
What this means for Cedar Key: Coastal Flooding preparedness
- Coastal flood and storm-surge damage requires separate flood insurance, not standard homeowners coverage.
- Know your evacuation zone and monitor tidal and surge forecasts during coastal storms.
- Elevate utilities and consider flood-resistant construction in low-lying shoreline areas.
Local Factors for Cedar Key
These city-level factors differentiate Cedar Key from other communities in Levy County and provide geographic context for its hazard exposure.
Population
1,322
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Warm Subtropical
Latitude 29.2°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 8.9/10
Coordinates
29.2300° N, 82.9833° W
Levy County
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for Cedar Key
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Cedar Key
Other cities in Florida
Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.