Natural Disaster Risk in Key Largo

Natural Hazard Profile: Key Largo, Florida

Key Largo, in Monroe County, is a city of approximately 14,770 residents situated near the Atlantic Coast of the southeastern United States. Its tropical climate brings warm temperatures year-round and high humidity, and in particular a June–November hurricane season that defines the risk landscape. These conditions collectively define the natural hazard environment that Key Largo residents and property owners must navigate.

According to FEMA's National Risk Index, Key Largo carries an overall risk score of 4.6/10, placing it in the moderate category. Coastal flooding is the dominant hazard, with storm surge from tropical systems and nor'easters capable of inundating low-lying shoreline areas well above normal tidal levels. The area also faces notable exposure to hurricane and lightning.

Within Florida, Key Largo's risk is, slightly below the 5.7/10 state average. Nationally, it ranks near the U.S. national average of 4.5/10. FEMA's analysis of Monroe County identifies coastal flood as the foremost hazard, followed by hurricane and lightning. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, Key Largo 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.