Natural Disaster Risk in Old Town
Florida
Risk Summary for Old Town
Old Town scores 4.3/10 (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: Old Town, Florida
Old Town is a city of approximately 10,582 residents in Dixie 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 Old Town.
FEMA rates Old Town's composite natural disaster risk at 4.3 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 wildfire risk in their preparedness planning.
Old Town'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 Dixie 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.
Old Town'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 Old Town: Coastal Flooding preparedness
- 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.
- Elevate utilities and consider flood-resistant construction in low-lying shoreline areas.
Local Factors for Old Town
These city-level factors differentiate Old Town from other communities in Dixie County and provide geographic context for its hazard exposure.
Population
10,582
SuburbanGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Warm Subtropical
Latitude 29.6°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 7.6/10
Coordinates
29.5814° N, 83.0804° W
Dixie 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 Old Town
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Old Town
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.