🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 33857

Lorida, Florida

6.2out of 10
High Risk

Risk Summary for ZIP 33857

ZIP 33857 scores 6.2/10 (High risk), above the U.S. average of 4.5. The leading hazard is Strong Wind.

Top Hazards

Strong Wind Hurricane Lightning

All 18 Hazard Scores

Strong Wind
10.0
Hurricane
9.7
Lightning
9.6
Wildfire
9.4
Tornado
8.5
Cold Wave
7.9
Drought
7.6
Extreme Heat
7.6
Tsunami
5.4
Volcanic Activity
5.1
Hail
4.9
Coastal Flooding
4.9
Avalanche
4.5
Landslide
3.9
Earthquake
3.7
Ice Storm
1.3
Winter Weather
1.2
Riverine Flooding
1.0

How it compares

ZIP 33857
6.2
Florida avg.
5.7
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” 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 33857, Florida

ZIP 33857 in Lorida sits near the Atlantic Coast of the southeastern United States. 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 33857 carries an overall risk score of 6.2/10, placing it in the high category. High-wind events from severe thunderstorms and derechos are the leading hazard, with damaging gusts capable of downing trees and causing widespread structural damage. The area also faces notable exposure to hurricane and lightning.

Within Florida, ZIP 33857'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 wind as the foremost hazard, followed by hurricane 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 33857 residents benefit from taking preparedness seriously. Reviewing insurance coverage for wind 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.

What this means for ZIP 33857: Strong Wind preparedness

  • Confirm your policy covers wind damage and keep an inventory of property for claims.
  • Inspect and reinforce roofing, siding, and garage doors, which are common failure points in high winds.
  • Secure or store outdoor furniture and loose objects that can become projectiles.

Risk for the surrounding area

Local Factors for ZIP 33857

These city-level factors differentiate ZIP 33857 from other communities in Florida County and provide geographic context for its hazard exposure.

Population

756

Rural

Geographic Zone

SE Atlantic Coast

Hurricane & coastal flood risk

Climate Band

Warm Subtropical

Latitude 27.4Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 9.4/10

Coordinates

27.3565Β° N, 81.1652Β° 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 33857

Last 12 months Β· Source: Open-Meteo archive

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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 β€” consult official emergency management resources and a licensed insurer for property-specific advice.