Natural Disaster Risk in Monticello

Natural Hazard Profile: Monticello, Florida

Monticello is a city of approximately 13,113 residents in Jefferson County, in the Deep South. The area experiences warm temperatures year-round and high humidity, with a June–November hurricane season that defines the risk landscape shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Monticello.

According to FEMA's National Risk Index, Monticello carries an overall risk score of 4.9/10, placing it in the moderate category. Coastal flood risk defines the local natural hazard environment, with sea-level rise trends gradually increasing the frequency of tidal flooding events alongside storm surge threats. The area also faces notable exposure to hurricane and wildfire.

Monticello'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 Jefferson County, the highest-scoring are coastal flood, hurricane, and wildfire. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

Monticello'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.