Natural Disaster Risk in Otter Creek

Natural Hazard Profile: Otter Creek, Florida

Otter Creek, in Levy County, is a small unincorporated community situated in the Deep South. 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 Otter Creek residents and property owners must navigate.

According to FEMA's National Risk Index, Otter Creek carries an overall risk score of 5.4/10, placing it in the moderate category. Coastal flooding is the dominant hazard, with storm surge from tropical systems and nor'easters capable of inundating low-lying shoreline areas well above normal tidal levels. The area also faces notable exposure to hurricane and lightning.

Within Florida, Otter Creek'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 Levy 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.

With a moderate risk rating, Otter Creek 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.