🌍 ClimateRiskCheck

Natural Disaster Risk in Suwannee County

Florida

5.0out of 10
Moderate Risk

Risk Summary for Suwannee County

Suwannee County scores 5.0/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Hurricane.

Top Hazards

Hurricane Lightning Wildfire

All 18 Hazard Scores

Hurricane
9.6
Lightning
8.5
Wildfire
8.4
Cold Wave
6.6
Extreme Heat
6.4
Tornado
5.8
Tsunami
5.4
Earthquake
5.2
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Drought
4.3
Strong Wind
3.1
Landslide
2.7
Winter Weather
2.1
Hail
1.7
Ice Storm
1.3
Riverine Flooding
1.0

How it compares

Suwannee County
5.0
Florida avg.
5.7
US national avg.
4.5

Live Conditions

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🏠 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: Suwannee County, Florida

Suwannee County is located in the United States in Florida, home to roughly 43,427 residents. The county experiences warm temperatures year-round and high humidity, with a June–November hurricane season that defines the risk landscape shaping the natural hazards faced by its communities. FEMA assesses risk at this county level, providing the baseline for every city and ZIP code within its boundaries.

According to FEMA's National Risk Index, Suwannee County carries an overall risk score of 5.0/10, placing it in the moderate category. Hurricane risk defines the natural hazard environment here, requiring residents to maintain seasonal preparedness plans and insurance coverage for wind and flood damage. The area also faces notable exposure to lightning and wildfire.

Suwannee County'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 Suwannee County, the highest-scoring are hurricane, lightning, 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, Suwannee County 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 hurricane is recommended.

What this means for Suwannee County: Hurricane preparedness

  • 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.
  • Keep at least a week of supplies on hand; power and water service can be disrupted for days after landfall.

Cities in Suwannee County

ZIP codes in Suwannee County

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. For informational purposes only.