🌍 ClimateRiskCheck

Natural Disaster Risk in Steinhatchee

Florida

4.3out of 10
Moderate Risk

Risk Summary for Steinhatchee

Steinhatchee scores 4.3/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Coastal Flooding.

Top Hazards

Coastal Flooding Hurricane Wildfire

All 18 Hazard Scores

Coastal Flooding
9.6
Hurricane
9.1
Wildfire
7.6
Lightning
6.2
Tsunami
5.4
Volcanic Activity
5.1
Extreme Heat
4.5
Avalanche
4.5
Tornado
3.5
Earthquake
3.3
Drought
3.1
Cold Wave
3.0
Strong Wind
2.0
Landslide
1.8
Hail
1.5
Winter Weather
1.4
Ice Storm
1.3
Riverine Flooding
1.0

How it compares

Steinhatchee
4.3
Florida avg.
5.7
US national avg.
4.5

Live Conditions

Checking live alerts…

🏠 What this means for insurance

Average risk β€” 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: Steinhatchee, Florida

Steinhatchee is a small community of about 1,408 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 Steinhatchee.

FEMA rates Steinhatchee's composite natural disaster risk at 4.3 out of 10 β€” 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.

Steinhatchee'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.

With a moderate risk rating, Steinhatchee residents are well-served by maintaining standard preparedness practices β€” 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.

What this means for Steinhatchee: 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 Steinhatchee

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

Population

1,408

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Warm Subtropical

Latitude 29.7Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 7.6/10

Coordinates

29.6618Β° N, 83.3705Β° 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 Steinhatchee

Last 12 months Β· Source: Open-Meteo archive

Loading climate data…

ZIP Codes in Steinhatchee

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.