Natural Disaster Risk — ZIP Code 32427

Natural Hazard Profile: ZIP 32427, Florida

ZIP 32427 covers part of the Caryville area, in the Deep South. The surrounding region experiences warm temperatures year-round and high humidity, with a June–November hurricane season that defines the risk landscape shaping the natural hazards that residents of this ZIP code face. Risk scores here are derived from FEMA data for the encompassing county.

FEMA rates ZIP 32427's composite natural disaster risk at 5.0 out of 10 — moderate risk. Tropical cyclones are the dominant hazard, with the area facing threats from both direct landfalling hurricanes and the outer rain bands and storm surge of systems making landfall nearby. Residents should also account for coastal flood and tornado risk in their preparedness planning.

ZIP 32427's risk score, slightly below the 5.7/10 state average and near the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are hurricane, coastal flood, and tornado. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

ZIP 32427'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.