🌍 ClimateRiskCheck

Natural Disaster Risk in Palm Beach

Florida

7.2out of 10
High Risk

Risk Summary for Palm Beach

Palm Beach scores 7.2/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hurricane.

Top Hazards

Hurricane Lightning Coastal Flooding

All 18 Hazard Scores

Hurricane
10.0
Lightning
10.0
Coastal Flooding
9.9
Extreme Heat
9.8
Wildfire
9.6
Tornado
9.5
Drought
9.5
Strong Wind
9.4
Cold Wave
9.3
Landslide
8.0
Tsunami
5.4
Earthquake
5.2
Hail
5.1
Volcanic Activity
5.1
Avalanche
4.5
Ice Storm
1.3
Winter Weather
1.2
Riverine Flooding
1.0

How it compares

Palm Beach
7.2
Florida avg.
5.7
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” check your policy limits

Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Palm Beach, Florida

Located near the Atlantic Coast of the southeastern United States in Palm Beach County, Palm Beach is a city of approximately 10,924 residents. The tropical climate that characterizes this part of Florida β€” marked by warm temperatures year-round and high humidity β€” directly influences the types and severity of natural hazards present, making Palm Beach a community where hazard awareness has real practical value.

FEMA rates Palm Beach's composite natural disaster risk at 7.2 out of 10 β€” high risk. Hurricane and tropical storm exposure tops the local risk profile, with the community vulnerable to storm surge, high sustained winds, and flooding rainfall during the June–November season. Residents should also account for lightning and coastal flood risk in their preparedness planning.

Relative to other U.S. communities, Palm Beach's natural disaster risk is well above the U.S. national average of 4.5/10, slightly above the 5.7/10 state average. The hazard distribution here is led by hurricane and lightning, as measured by FEMA across Palm Beach County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a high natural disaster risk rating, Palm Beach residents benefit from taking preparedness seriously. Reviewing insurance coverage for hurricane and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.

What this means for Palm Beach: Hurricane preparedness

  • Know your evacuation zone and route before hurricane season begins each June.
  • 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.

Local Factors for Palm Beach

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

Population

10,924

Suburban

Geographic Zone

SE Atlantic Coast

Hurricane & coastal flood risk

Climate Band

Warm Subtropical

Latitude 26.7Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 9.6/10

Coordinates

26.6980Β° N, 80.0408Β° W

Palm Beach 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 Palm Beach

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Palm Beach

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.