Natural Disaster Risk in Long Key
Florida
Risk Summary for Long Key
Long Key scores 4.6/10 (Moderate risk), near 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: Long Key, Florida
Long Key, in Monroe County, is a small unincorporated community 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 Long Key residents and property owners must navigate.
Long Key's overall natural disaster risk is rated 4.6/10 (Moderate) by FEMA's National Risk Index. The risk of coastal inundation tops the local hazard profile, with the area exposed to storm surge, tidal flooding, and wave action during major coastal storm events. Secondary hazards include hurricane and lightning.
Within Florida, Long Key'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.
Long Key's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that coastal flood exposure is adequately protected is a worthwhile step for property owners.
What this means for Long Key: Coastal Flooding preparedness
- Elevate utilities and consider flood-resistant construction in low-lying shoreline areas.
- 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.
Local Factors for Long Key
These city-level factors differentiate Long Key from other communities in Monroe County and provide geographic context for its hazard exposure.
Population
250
RuralGeographic Zone
SE Atlantic Coast
Hurricane & coastal flood risk
Climate Band
Tropical / Subtropical
Latitude 24.8°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 6.7/10
Coordinates
24.8204° N, 80.8099° W
Monroe 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 Long Key
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Long 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.