Natural Disaster Risk β ZIP Code 32054
Lake Butler, Florida
Risk Summary for ZIP 32054
ZIP 32054 scores 3.9/10 (Low risk), below the U.S. average of 4.5. The leading hazard is Hurricane.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π What this means for insurance
Below-average risk β standard coverage likely adequate
Natural disaster risk here is below the US average. Standard homeowners insurance will typically be sufficient, but it is still worth reviewing exclusions for floods and earthquakes.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: ZIP 32054, Florida
ZIP 32054 in Lake Butler sits in the Deep South. Its tropical climate produces warm temperatures year-round and high humidity, and notably a JuneβNovember hurricane season that defines the risk landscape. These conditions define the natural disaster environment for households across this ZIP code.
According to FEMA's National Risk Index, ZIP 32054 carries an overall risk score of 3.9/10, placing it in the low 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 JuneβNovember season. The area also faces notable exposure to wildfire and lightning.
Within Florida, ZIP 32054's risk is, considerably below the 5.7/10 state average. Nationally, it ranks below the U.S. national average of 4.5/10. FEMA's analysis of Florida identifies hurricane as the foremost hazard, followed by wildfire and lightning. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
ZIP 32054 carries a below-average natural disaster risk, reflecting fewer and less severe hazard exposures than typical U.S. communities. Even so, the area's primary risk β hurricane β warrants awareness and appropriate insurance coverage, as lower risk does not mean zero risk.
What this means for ZIP 32054: 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.
Risk for the surrounding area
Local Factors for ZIP 32054
These city-level factors differentiate ZIP 32054 from other communities in Florida County and provide geographic context for its hazard exposure.
Population
12,581
SuburbanGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Warm Subtropical
Latitude 30.0Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate β seasonal fire risk
Fire score: 7.7/10
Coordinates
30.0281Β° N, 82.3914Β° W
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for ZIP 32054
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
Nearby ZIP codes
Other cities in Florida
Data source: FEMA National Risk Index (NRI). County-level data applied to ZIP codes within each county. Scores are normalized to 1β10 across all US counties. This information is for general awareness only β consult official emergency management resources and a licensed insurer for property-specific advice.