Natural Disaster Risk — ZIP Code 33865
Ona, Florida
Risk Summary for ZIP 33865
ZIP 33865 scores 5.2/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Strong Wind.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — standard coverage usually sufficient
This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: ZIP 33865, Florida
Located near the Atlantic Coast of the southeastern United States, ZIP 33865 serves the Ona 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 33865's overall natural disaster risk is rated 5.2/10 (Moderate) by FEMA's National Risk Index. Wind damage from severe weather systems tops the local risk profile, with open terrain and frequent storm activity amplifying exposure to destructive gusts. Secondary hazards include hurricane and wildfire.
Relative to other U.S. communities, ZIP 33865's natural disaster risk is above the U.S. national average of 4.5/10, slightly below the 5.7/10 state average. The hazard distribution here is led by wind and hurricane, as measured by FEMA across Florida. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a moderate risk rating, ZIP 33865 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 wind is recommended.
What this means for ZIP 33865: Strong Wind preparedness
- Secure or store outdoor furniture and loose objects that can become projectiles.
- 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.
Risk for the surrounding area
Local Factors for ZIP 33865
These city-level factors differentiate ZIP 33865 from other communities in Florida County and provide geographic context for its hazard exposure.
Population
488
RuralGeographic Zone
SE Atlantic Coast
Hurricane & coastal flood risk
Climate Band
Warm Subtropical
Latitude 27.4°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 8.5/10
Coordinates
27.4294° N, 81.9626° 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 33865
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.