Natural Disaster Risk in Monroe County

Natural Hazard Profile: Monroe County, Florida

Monroe County is located in the United States in Florida, home to roughly 82,390 residents. The county experiences warm temperatures year-round and high humidity, with a June–November hurricane season that defines the risk landscape shaping the natural hazards faced by its communities. FEMA assesses risk at this county level, providing the baseline for every city and ZIP code within its boundaries.

FEMA rates Monroe County's composite natural disaster risk at 4.6 out of 10 — moderate risk. 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. Residents should also account for hurricane and lightning risk in their preparedness planning.

Monroe County's risk score, slightly below the 5.7/10 state average and near the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Monroe 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, Monroe County 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.