🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 32054

Lake Butler, Florida

3.9out of 10
Low Risk

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

Hurricane Wildfire Lightning

All 18 Hazard Scores

Hurricane
8.8
Wildfire
7.7
Lightning
5.5
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Extreme Heat
4.5
Avalanche
4.5
Tornado
3.7
Earthquake
3.6
Drought
2.9
Cold Wave
2.3
Strong Wind
2.1
Landslide
1.5
Hail
1.4
Winter Weather
1.4
Ice Storm
1.3
Riverine Flooding
1.0

How it compares

ZIP 32054
3.9
Florida avg.
5.7
US national avg.
4.5

Live Conditions

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🏠 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 June–November 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 June–November 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

Suburban

Geographic 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

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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 1–10 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.