Natural Disaster Risk in Santa Rosa Beach
Florida
Risk Summary for Santa Rosa Beach
Santa Rosa Beach scores 5.9/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Hurricane.
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: Santa Rosa Beach, Florida
Santa Rosa Beach, in Walton County, is a city of approximately 23,522 residents 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 Santa Rosa Beach residents and property owners must navigate.
Santa Rosa Beach's overall natural disaster risk is rated 5.9/10 (Moderate) by FEMA's National Risk Index. Tropical cyclones are the dominant hazard, with the area facing threats from both direct landfalling hurricanes and the outer rain bands and storm surge of systems making landfall nearby. Secondary hazards include lightning and coastal flood.
Within Florida, Santa Rosa Beach'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 Walton County identifies hurricane as the foremost hazard, followed by lightning and coastal flood. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a moderate risk rating, Santa Rosa Beach 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 hurricane is recommended.
What this means for Santa Rosa Beach: Hurricane preparedness
- 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.
- Know your evacuation zone and route before hurricane season begins each June.
Local Factors for Santa Rosa Beach
These city-level factors differentiate Santa Rosa Beach from other communities in Walton County and provide geographic context for its hazard exposure.
Population
23,522
SuburbanGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Warm Subtropical
Latitude 30.4°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 7.9/10
Coordinates
30.3653° N, 86.1843° W
Walton 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 Santa Rosa Beach
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Santa Rosa 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.