Natural Disaster Risk — ZIP Code 32209

Natural Hazard Profile: ZIP 32209, Florida

Located near the Atlantic Coast of the southeastern United States, ZIP 32209 serves the Jacksonville 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 32209's overall natural disaster risk is rated 7.2/10 (High) by FEMA's National Risk Index. Coastal flood risk defines the local natural hazard environment, with sea-level rise trends gradually increasing the frequency of tidal flooding events alongside storm surge threats. Secondary hazards include cold wave and lightning.

Relative to other U.S. communities, ZIP 32209's natural disaster risk is well above the U.S. national average of 4.5/10, slightly above the 5.7/10 state average. The hazard distribution here is led by coastal flood and cold wave, as measured by FEMA across Florida. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a high natural disaster risk rating, ZIP 32209 residents benefit from taking preparedness seriously. Reviewing insurance coverage for coastal flood and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.