Natural Disaster Risk in Fort Walton Beach
Florida
6.8out of 10
Risk Summary for Fort Walton Beach
Above-average natural disaster risk. Several hazards pose meaningful threats. Ensure adequate home and property insurance.
Top Hazards
Hurricane Lightning Coastal Flooding
All 18 Hazard Scores
Hurricane 9.9
Lightning 9.9
Tornado 9.5
Coastal Flooding 9.5
Extreme Heat 9.0
Wildfire 7.9
Strong Wind 7.7
Cold Wave 7.6
Earthquake 6.7
Winter Weather 5.4
Tsunami 5.4
Landslide 5.2
Volcanic Activity 5.1
Ice Storm 4.7
Avalanche 4.5
Hail 3.8
Drought 3.1
Riverine Flooding 1.0
How it compares
Fort Walton Beach 6.8
Florida avg. 5.7
US national avg. 4.5
Live Conditions
Checking live alerts…
🏠 What this means for insurance
Above-average risk — check your policy limits
Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).
This is general information only. Consult a licensed insurance professional for advice specific to your property.
ZIP Codes in Fort Walton Beach
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.