Natural Disaster Risk — ZIP Code 32320
Apalachicola, Florida
Risk Summary for ZIP 32320
ZIP 32320 scores 4.5/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Coastal Flooding.
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 32320, Florida
Located in the Deep South, ZIP 32320 serves the Apalachicola 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 32320's overall natural disaster risk is rated 4.5/10 (Moderate) 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 hurricane and wildfire.
Relative to other U.S. communities, ZIP 32320's natural disaster risk is near the U.S. national average of 4.5/10, slightly below the 5.7/10 state average. The hazard distribution here is led by coastal flood and hurricane, as measured by FEMA across Florida. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
ZIP 32320'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 coastal flood exposure is adequately protected is a worthwhile step for property owners.
What this means for ZIP 32320: Coastal Flooding preparedness
- Know your evacuation zone and monitor tidal and surge forecasts during coastal storms.
- Elevate utilities and consider flood-resistant construction in low-lying shoreline areas.
- Coastal flood and storm-surge damage requires separate flood insurance, not standard homeowners coverage.
Risk for the surrounding area
Local Factors for ZIP 32320
These city-level factors differentiate ZIP 32320 from other communities in Florida County and provide geographic context for its hazard exposure.
Population
3,792
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Warm Subtropical
Latitude 29.7°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 8.0/10
Coordinates
29.7423° N, 85.0694° 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 32320
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.