Natural Disaster Risk — ZIP Code 32140
Florahome, Florida
Risk Summary for ZIP 32140
ZIP 32140 scores 5.7/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Hurricane.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — 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: ZIP 32140, Florida
Located near the Atlantic Coast of the southeastern United States, ZIP 32140 serves the Florahome community. The tropical climate of this part of Florida — bringing warm temperatures year-round and high humidity — directly shapes the hazard exposure for properties in this postal area.
ZIP 32140's overall natural disaster risk is rated 5.7/10 (Moderate) by FEMA's National Risk Index. Hurricane risk defines the natural hazard environment here, requiring residents to maintain seasonal preparedness plans and insurance coverage for wind and flood damage. Secondary hazards include coastal flood and wildfire.
Relative to other U.S. communities, ZIP 32140's natural disaster risk is above the U.S. national average of 4.5/10, near the 5.7/10 state average. The hazard distribution here is led by hurricane and coastal flood, as measured by FEMA across Florida. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
ZIP 32140's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that hurricane exposure is adequately protected is a worthwhile step for property owners.
What this means for ZIP 32140: Hurricane preparedness
- 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.
- Wind damage is usually covered by homeowners insurance, but storm-surge flooding requires separate flood coverage.
Risk for the surrounding area
Local Factors for ZIP 32140
These city-level factors differentiate ZIP 32140 from other communities in Florida County and provide geographic context for its hazard exposure.
Population
1,479
Small TownGeographic Zone
SE Atlantic Coast
Hurricane & coastal flood risk
Climate Band
Warm Subtropical
Latitude 29.8°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 9.2/10
Coordinates
29.7627° N, 81.8631° 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 32140
Last 12 months · 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 1–10 across all US counties. This information is for general awareness only — consult official emergency management resources and a licensed insurer for property-specific advice.