Natural Disaster Risk — ZIP Code 34269
Arcadia, Florida
Risk Summary for ZIP 34269
ZIP 34269 scores 5.7/10 (Moderate 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
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 34269, Florida
ZIP 34269 covers part of the Arcadia area, near the Atlantic Coast of the southeastern United States. The surrounding region experiences warm temperatures year-round and high humidity, with a June–November hurricane season that defines the risk landscape shaping the natural hazards that residents of this ZIP code face. Risk scores here are derived from FEMA data for the encompassing county.
FEMA rates ZIP 34269's composite natural disaster risk at 5.7 out of 10 — moderate risk. Tropical cyclones are the dominant hazard, with the area facing threats from both direct landfalling hurricanes and the outer rain bands and storm surge of systems making landfall nearby. Residents should also account for lightning and coastal flood risk in their preparedness planning.
ZIP 34269's risk score, near the 5.7/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are hurricane, lightning, and coastal flood. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
ZIP 34269's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that hurricane exposure is adequately protected is a worthwhile step for property owners.
What this means for ZIP 34269: Hurricane preparedness
- Wind damage is usually covered by homeowners insurance, but storm-surge flooding requires separate flood coverage.
- 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.
Risk for the surrounding area
Local Factors for ZIP 34269
These city-level factors differentiate ZIP 34269 from other communities in Florida County and provide geographic context for its hazard exposure.
Population
5,013
Small TownGeographic Zone
SE Atlantic Coast
Hurricane & coastal flood risk
Climate Band
Warm Subtropical
Latitude 27.1°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 8.6/10
Coordinates
27.0887° N, 81.9639° 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 34269
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.