Natural disaster risk in Okaloosa County, Florida
Florida · population 211,293 · FIPS 12091
Overall: relatively moderate risk
Okaloosa County has a composite risk score of 92.5 out of 100 — higher than 92% of US counties. It ranks 25 of 67 in Florida (1 = highest risk). Its highest-rated hazards are lightning, hurricane, tornado.
Drought now: No: no drought or dryness
No. On the U.S. Drought Monitor map valid 13 October 2026, no part of Okaloosa County is in drought or abnormally dry (none of D0 to D4). That has been so for 2 weeks in a row.
Drought in Okaloosa County: the last 52 weeks · droughtmonitor.unl.edu
The U.S. Drought Monitor is jointly produced by the National Drought Mitigation Center at the University of Nebraska-Lincoln, the United States Department of Agriculture, the National Oceanic and Atmospheric Administration and the National Aeronautics and Space Administration. Map courtesy of NDMC.
Risk, loss, vulnerability and resilience
| Measure | Rating and score |
|---|---|
| Overall risk Expected annual loss, adjusted for social vulnerability and community resilience. |
Relatively moderate 92.5 |
| Expected annual loss About $134.5 million a year, on average, across all 18 hazards. |
Relatively moderate 93.3 |
| Social vulnerability Higher means people may find it harder to prepare and recover. |
Relatively low 26.7 |
| Community resilience Higher means a stronger ability to prepare, adapt and recover. |
Relatively moderate 41.6 |
Risk by hazard
FEMA's risk rating for each of 18 natural hazards in Okaloosa County, highest first. "Not applicable" means the hazard is not modelled here.
| Hazard | Risk rating and score |
|---|---|
| Lightning | Very high 99 |
| Hurricane | Very high 98 |
| Tornado | Relatively high 94 |
| Heat wave | Relatively moderate 88 |
| Inland (riverine) flooding | Relatively moderate 80 |
| Strong wind | Relatively moderate 73 |
| Cold wave | Relatively moderate 72 |
| Coastal flooding | Relatively moderate 62 |
| Wildfire | Relatively low 75 |
| Earthquake | Relatively low 62 |
| Winter weather | Relatively low 46 |
| Ice storm | Relatively low 36 |
| Landslide | Very low 45 |
| Hail | Very low 28 |
| Drought | Very low 20 |
| Avalanche | Not applicable |
| Tsunami | Insufficient data |
| Volcanic activity | Not applicable |
FEMA disaster declarations for Okaloosa County
Federal declarations that designated Okaloosa County, since 1 Jan 2024 (the period this site keeps from OpenFEMA). Older declarations are in FEMA's own dataset.
Yes. Okaloosa County has been named in 5 FEMA declarations since 1 Jan 2024. The latest is EM-3655-FL (Hurricane Isaias), declared 9 Oct 2026.
| Declaration | Kind | Incident | Declared | Individual assistance here |
|---|---|---|---|---|
| EM-3655-FL | Emergency | Hurricane Isaias | 9 Oct 2026 | No |
| DR-4828-FL | Major disaster | Hurricane Helene | 28 Sep 2024 | No |
| EM-3615-FL | Emergency | Tropical Storm Helene | 24 Sep 2024 | No |
| DR-4806-FL | Major disaster | Hurricane Debby | 10 Aug 2024 | No |
| EM-3605-FL | Emergency | Tropical Storm Debby | 3 Aug 2024 | No |
All FEMA declarations in Florida, with estimated apply-by dates · Open FEMA deadlines
This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). Dataset: Disaster Declarations Summaries - v2.
How to read these ratings
- Ratings run in five steps: very low, relatively low, relatively moderate, relatively high and very high. They compare a county with every other US county; they are not a measure of danger on their own.
- Scores run from 0 to 100 and are national percentiles. The bar shows the score: a score of 80 means a higher value than 80% of US counties.
- Overall risk combines the expected annual loss with social vulnerability and community resilience.
- Expected annual loss is the average yearly loss to buildings, people and agriculture the model expects from all 18 hazards.
- Social vulnerability describes how hard it may be for people to prepare for and recover from a disaster. Higher is worse.
- Community resilience describes a community's ability to prepare, adapt and recover. Higher is better.
- "Not applicable" means FEMA does not model that hazard there (for example, hurricanes far inland).
About this data
Source: FEMA National Risk Index, version 1.20, released December 2025, published by the Federal Emergency Management Agency (US public domain). About the National Risk Index. The index is a model of relative risk built from historical hazard records, what is exposed and community factors. It is not a forecast, it does not describe any single property, and it is not insurance or financial advice. For decisions about a specific address, check FEMA's flood maps and your local emergency management office.
Questions
What is the natural disaster risk in Okaloosa County, Florida?
FEMA's National Risk Index rates the overall risk in Okaloosa County as relatively moderate, with a score of 92.5 out of 100 (higher than 92% of US counties). That is a comparison with other US counties, not a forecast.
What are the biggest natural hazards in Okaloosa County?
The hazards rated highest for Okaloosa County are lightning (very high), hurricane (very high), tornado (relatively high).
What is the flood risk in Okaloosa County?
FEMA rates inland (river and rain) flooding risk in Okaloosa County as relatively moderate, and coastal flooding risk as relatively moderate. For a specific property, check the FEMA flood map and your local floodplain office.
Has Okaloosa County had a FEMA disaster declaration?
Yes. Okaloosa County has been named in 5 FEMA declarations since 1 Jan 2024. The latest is EM-3655-FL (Hurricane Isaias), declared 9 Oct 2026.
Is Okaloosa County in a drought?
No. On the U.S. Drought Monitor map valid 13 October 2026, no part of Okaloosa County is in drought or abnormally dry (none of D0 to D4). That has been so for 2 weeks in a row.
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