🌍 ClimateRiskCheck

Natural Disaster Risk in Umatilla

Florida

6.8out of 10
High Risk

Risk Summary for Umatilla

Umatilla scores 6.8/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hurricane.

Top Hazards

Hurricane Lightning Tornado

All 18 Hazard Scores

Hurricane
9.9
Lightning
9.9
Tornado
9.8
Wildfire
9.7
Strong Wind
9.4
Extreme Heat
9.2
Cold Wave
9.2
Coastal Flooding
9.0
Earthquake
6.8
Landslide
6.4
Tsunami
5.4
Volcanic Activity
5.1
Drought
5.0
Avalanche
4.5
Hail
3.0
Winter Weather
1.4
Ice Storm
1.3
Riverine Flooding
1.0

How it compares

Umatilla
6.8
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: Umatilla, Florida

Umatilla, in Marion County, is a city of approximately 10,019 residents situated near the Atlantic Coast of the southeastern United States. 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 Umatilla residents and property owners must navigate.

Umatilla's overall natural disaster risk is rated 6.8/10 (High) 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 tornado.

Within Florida, Umatilla's risk is, slightly above the 5.7/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of Marion County identifies hurricane as the foremost hazard, followed by lightning and tornado. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

Umatilla's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.

What this means for Umatilla: 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 Umatilla

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

Population

10,019

Suburban

Geographic Zone

SE Atlantic Coast

Hurricane & coastal flood risk

Climate Band

Warm Subtropical

Latitude 29.0Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 9.7/10

Coordinates

28.9763Β° N, 81.7232Β° W

Marion 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 Umatilla

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Umatilla

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.