Natural Disaster Risk — ZIP Code 32564

Natural Hazard Profile: ZIP 32564, Florida

ZIP 32564 in Holt sits in the Deep South. Its tropical climate produces warm temperatures year-round and high humidity, and notably a June–November hurricane season that defines the risk landscape. These conditions define the natural disaster environment for households across this ZIP code.

According to FEMA's National Risk Index, ZIP 32564 carries an overall risk score of 6.4/10, placing it in the high category. Hurricane and tropical storm exposure tops the local risk profile, with the community vulnerable to storm surge, high sustained winds, and flooding rainfall during the June–November season. The area also faces notable exposure to coastal flood and lightning.

Within Florida, ZIP 32564's risk is, slightly above the 5.7/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Florida identifies hurricane as the foremost hazard, followed by coastal flood and lightning. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a high natural disaster risk rating, ZIP 32564 residents benefit from taking preparedness seriously. Reviewing insurance coverage for hurricane 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.