Natural Disaster Risk — ZIP Code 34972

Okeechobee, Florida

5.3out of 10

Moderate Risk

Risk Summary for ZIP 34972

Average natural disaster risk for the United States. Standard homeowners insurance typically covers common hazards here.

Top Hazards

Hurricane Strong Wind Lightning

All 18 Hazard Scores

Hurricane

9.6

Strong Wind

9.2

Wildfire

9.1

Lightning

9.1

Cold Wave

6.2

Drought

5.5

Extreme Heat

5.4

Tsunami

5.4

Tornado

5.1

Volcanic Activity

5.1

Coastal Flooding

4.9

Avalanche

4.5

Earthquake

3.3

Landslide

3.3

Hail

2.3

Ice Storm

1.3

Winter Weather

1.2

Riverine Flooding

1.0

How it compares

ZIP 34972

5.3

Florida avg.

5.7

US national avg.

4.5

Live Conditions

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🏠 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.

Other cities in Florida

Winter Garden7.0/10 Port Saint Lucie6.1/10 Hollywood6.8/10 West Palm Beach7.2/10 Saint Johns5.6/10 Fort Lauderdale6.8/10 Tampa7.5/10 Jacksonville7.2/10

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.