Natural Disaster Risk — ZIP Code 32648

Natural Hazard Profile: ZIP 32648, Florida

ZIP 32648 in Horseshoe Beach 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 32648 carries an overall risk score of 4.3/10, placing it in the moderate category. Coastal flooding is the dominant hazard, with storm surge from tropical systems and nor'easters capable of inundating low-lying shoreline areas well above normal tidal levels. The area also faces notable exposure to hurricane and wildfire.

Within Florida, ZIP 32648's risk is, slightly below the 5.7/10 state average. Nationally, it ranks near the U.S. national average of 4.5/10. FEMA's analysis of Florida identifies coastal flood as the foremost hazard, followed by hurricane and wildfire. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, ZIP 32648 residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for coastal flood is recommended.