🌍 ClimateRiskCheck

Natural Disaster Risk in Melrose

Florida

5.7out of 10
Moderate Risk

Risk Summary for Melrose

Melrose scores 5.7/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Hurricane.

Top Hazards

Hurricane Coastal Flooding Wildfire

All 18 Hazard Scores

Hurricane
9.6
Coastal Flooding
9.4
Wildfire
9.2
Lightning
8.5
Tornado
8.1
Strong Wind
7.1
Extreme Heat
7.1
Earthquake
5.5
Tsunami
5.4
Volcanic Activity
5.1
Avalanche
4.5
Drought
4.4
Landslide
3.7
Cold Wave
3.7
Hail
2.5
Ice Storm
1.3
Winter Weather
1.2
Riverine Flooding
1.0

How it compares

Melrose
5.7
Florida avg.
5.7
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” 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: Melrose, Florida

Melrose, in Putnam County, is a town of roughly 6,662 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 Melrose residents and property owners must navigate.

Melrose's overall natural disaster risk is rated 5.7/10 (Moderate) by FEMA's National Risk Index. Tropical cyclones are the dominant hazard, with the area facing threats from both direct landfalling hurricanes and the outer rain bands and storm surge of systems making landfall nearby. Secondary hazards include coastal flood and wildfire.

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

With a moderate risk rating, Melrose residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for hurricane is recommended.

What this means for Melrose: Hurricane preparedness

  • Keep at least a week of supplies on hand; power and water service can be disrupted for days after landfall.
  • Wind damage is usually covered by homeowners insurance, but storm-surge flooding requires separate flood coverage.
  • Know your evacuation zone and route before hurricane season begins each June.

Local Factors for Melrose

These city-level factors differentiate Melrose from other communities in Putnam County and provide geographic context for its hazard exposure.

Population

6,662

Small Town

Geographic Zone

SE Atlantic Coast

Hurricane & coastal flood risk

Climate Band

Warm Subtropical

Latitude 29.7Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 9.2/10

Coordinates

29.7230Β° N, 81.9915Β° W

Putnam 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 Melrose

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Melrose

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.