🌍 ClimateRiskCheck

Natural Disaster Risk in Youngstown

Florida

6.3out of 10
High Risk

Risk Summary for Youngstown

Youngstown scores 6.3/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hurricane.

Top Hazards

Hurricane Lightning Coastal Flooding

All 18 Hazard Scores

Hurricane
9.9
Lightning
9.8
Coastal Flooding
9.7
Tornado
9.5
Extreme Heat
8.6
Cold Wave
8.2
Wildfire
7.9
Strong Wind
7.1
Earthquake
6.1
Tsunami
5.4
Volcanic Activity
5.1
Avalanche
4.5
Landslide
4.2
Winter Weather
4.1
Hail
3.0
Drought
2.7
Ice Storm
1.3
Riverine Flooding
1.0

How it compares

Youngstown
6.3
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: Youngstown, Florida

Youngstown is a town of roughly 5,916 residents in Bay 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 Youngstown.

According to FEMA's National Risk Index, Youngstown carries an overall risk score of 6.3/10, placing it in the high 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 coastal flood.

Youngstown's risk score, slightly above the 5.7/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Bay County, the highest-scoring are hurricane, lightning, and coastal flood. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

Youngstown'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 Youngstown: 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.

Local Factors for Youngstown

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

Population

5,916

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Warm Subtropical

Latitude 30.4Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 7.9/10

Coordinates

30.3862Β° N, 85.4640Β° W

Bay 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 Youngstown

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Youngstown

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.