What’s My Risk?
Know your property’s risk before the next storm
Enter a Florida address to see current and long-term risk from hurricanes, severe weather, flooding, and wildfire. You’ll also find steps you can take to reduce your risk.
Your results
Right now reflects active watches, warnings, and nearby events. Long-term reflects historical risk for the area around the property. Both use a 0–10 scale: 0–2 Low, 3–4 Moderate, 5–6 Elevated, 7–8 High, 9–10 Severe.
On the map
Your property and nearby hazards
Use the layer button (top right of the map) to turn on FEMA flood zones, then zoom in to see them. The dashed outline is the area the long-term scores are based on.
Be prepared
How to prepare
Steps are ordered by the risks that matter most for this property right now.
What we check
Four Florida risks, from today’s alerts to long-term history
Every lookup pulls current information from federal weather and hazard agencies, so your results reflect what’s happening now as well as what has happened over time.
Hurricane & tropical storm
Active hurricane and tropical storm watches and warnings, National Hurricane Center forecast cones, and the area’s long-term hurricane loss history.
Severe weather
Tornado and severe thunderstorm warnings, today’s severe storm outlook, freeze and cold weather alerts, and long-term tornado, hail, and damaging-wind history.
Flood
The FEMA flood zone at the address, active flood and storm surge alerts, and the area’s inland and coastal flood history. Standard homeowners policies typically don’t cover flood damage. Learn about flood insurance
Wildfire
Active wildfires within 25 miles, Red Flag Warnings, and the area’s long-term wildfire loss history.
Make sure your coverage fits your risk.
An independent Orange agent can review your coverage, deductibles, and available credits, including wind mitigation credits.
How it works
How we calculate your scores
What does the long-term score measure?
Long-term scores use FEMA’s National Risk Index for the census tract around the address. For each hazard we use the national percentile of the area’s expected annual loss rate, divided by 10. A score of 9 means the area ranks higher than about 90% of U.S. communities for that hazard.
Severe weather uses whichever is highest of tornado, hail, and strong wind.
How does the flood zone affect the flood score?
We also check the FEMA flood zone at the exact address. Properties in high-risk zones (A, AE, AH, AO) score at least 7, and coastal high-hazard zones (V, VE) score at least 9. Moderate- and low-risk zones can still flood.
Standard homeowners policies typically don’t cover flood damage, so flood insurance is a separate policy. Learn about flood insurance
What does the right-now score measure?
Right-now scores come from active National Weather Service alerts for the location (including freeze and cold weather alerts, which count toward severe weather), National Hurricane Center forecast cones and storm positions, the Storm Prediction Center’s outlook for today, and active wildfires within 25 miles.
Where does the data come from?
- National Weather Service (active alerts)
- National Hurricane Center (active storms and forecast cones)
- NOAA Storm Prediction Center (severe storm outlook)
- FEMA National Flood Hazard Layer (flood zones)
- FEMA National Risk Index (long-term hazard history)
- National Interagency Fire Center (active wildfires)
Important information: Results are for general informational and educational purposes only. Scores are estimates based on public government data for the area around an address and may not reflect conditions at a specific property. They are not an insurance quote, underwriting decision, or guarantee of coverage, and they do not affect your premium. Always follow instructions from local emergency officials.