Natural Disaster Risk — ZIP Code 32164

Natural Hazard Profile: ZIP 32164, Florida

Located near the Atlantic Coast of the southeastern United States, ZIP 32164 serves the Palm Coast 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 32164's overall natural disaster risk is rated 5.3/10 (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 32164's natural disaster risk is above the U.S. national average of 4.5/10, slightly below 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 32164'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.