Natural Disaster Risk — ZIP Code 33445
Delray Beach, Florida
Risk Summary for ZIP 33445
ZIP 33445 scores 7.2/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hurricane.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Above-average risk — check your policy limits
Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: ZIP 33445, Florida
Located near the Atlantic Coast of the southeastern United States, ZIP 33445 serves the Delray Beach 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 33445's overall natural disaster risk is rated 7.2/10 (High) by FEMA's National Risk Index. Hurricane risk defines the natural hazard environment here, requiring residents to maintain seasonal preparedness plans and insurance coverage for wind and flood damage. Secondary hazards include lightning and coastal flood.
Relative to other U.S. communities, ZIP 33445'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 hurricane and lightning, as measured by FEMA across Florida. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
ZIP 33445's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.
What this means for ZIP 33445: Hurricane preparedness
- Know your evacuation zone and route before hurricane season begins each June.
- Keep at least a week of supplies on hand; power and water service can be disrupted for days after landfall.
- Wind damage is usually covered by homeowners insurance, but storm-surge flooding requires separate flood coverage.
Risk for the surrounding area
Local Factors for ZIP 33445
These city-level factors differentiate ZIP 33445 from other communities in Florida County and provide geographic context for its hazard exposure.
Population
33,122
SuburbanGeographic Zone
SE Atlantic Coast
Hurricane & coastal flood risk
Climate Band
Warm Subtropical
Latitude 26.5°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 9.6/10
Coordinates
26.4548° N, 80.1063° 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 33445
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.