Natural Disaster Risk in Summerland Key
Florida
Risk Summary for Summerland Key
Summerland Key scores 4.6/10 (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: Summerland Key, Florida
Summerland Key is a town of roughly 6,441 residents in Monroe County, near the Atlantic Coast of the southeastern United States. 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 Summerland Key.
FEMA rates Summerland Key's composite natural disaster risk at 4.6 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 lightning risk in their preparedness planning.
Summerland Key'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 Monroe County, the highest-scoring are coastal flood, hurricane, and lightning. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
Summerland Key'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 Summerland Key: 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 Summerland Key
These city-level factors differentiate Summerland Key from other communities in Monroe County and provide geographic context for its hazard exposure.
Population
6,441
Small TownGeographic Zone
SE Atlantic Coast
Hurricane & coastal flood risk
Climate Band
Tropical / Subtropical
Latitude 24.7°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 6.7/10
Coordinates
24.6748° N, 81.5072° W
Monroe 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 Summerland Key
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Summerland Key
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.