🌍 ClimateRiskCheck

Natural Disaster Risk in Westville

Florida

4.4out of 10
Moderate Risk

Risk Summary for Westville

Westville scores 4.4/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Hurricane.

Top Hazards

Hurricane Lightning Tornado

All 18 Hazard Scores

Hurricane
9.4
Lightning
6.6
Tornado
5.9
Tsunami
5.4
Drought
5.2
Volcanic Activity
5.1
Extreme Heat
5.0
Coastal Flooding
4.9
Avalanche
4.5
Wildfire
4.1
Earthquake
4.0
Cold Wave
3.7
Strong Wind
3.0
Landslide
2.3
Winter Weather
2.1
Ice Storm
2.1
Hail
1.8
Riverine Flooding
1.0

How it compares

Westville
4.4
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: Westville, Florida

Westville, in Holmes County, is a town of roughly 3,282 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 Westville residents and property owners must navigate.

According to FEMA's National Risk Index, Westville carries an overall risk score of 4.4/10, placing it in the moderate category. Hurricane and tropical storm exposure tops the local risk profile, with the community vulnerable to storm surge, high sustained winds, and flooding rainfall during the June–November season. The area also faces notable exposure to lightning and tornado.

Within Florida, Westville's risk is, slightly below the 5.7/10 state average. Nationally, it ranks near the U.S. national average of 4.5/10. FEMA's analysis of Holmes 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.

With a moderate risk rating, Westville 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 Westville: 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 Westville

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

Population

3,282

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Warm Subtropical

Latitude 30.9Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Lower β€” moist climate limits wildfire frequency

Fire score: 4.1/10

Coordinates

30.8969Β° N, 85.9559Β° W

Holmes 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 Westville

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Westville

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.