Natural disaster risk in Union County, Florida
Florida · population 16,088 · FIPS 12125
Overall: very low risk
Union County has a composite risk score of 10.9 out of 100 — higher than 10% of US counties. It ranks 67 of 67 in Florida (1 = highest risk). Its highest-rated hazards are hurricane, wildfire, lightning.
Drought now: Yes: D2 Severe Drought, 42 weeks
Yes. On the U.S. Drought Monitor map valid 13 October 2026, 5.61% of Union County is in D2 Severe Drought. Some of it has been at D2 or worse for 42 weeks in a row. In all, 76.83% of the county is in drought (D1 to D4).
Drought in Union 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. |
Very low 10.9 |
| Expected annual loss About $5.0 million a year, on average, across all 18 hazards. |
Very low 13 |
| Social vulnerability Higher means people may find it harder to prepare and recover. |
Relatively low 39.5 |
| Community resilience Higher means a stronger ability to prepare, adapt and recover. |
Relatively low 32 |
Risk by hazard
FEMA's risk rating for each of 18 natural hazards in Union County, highest first. "Not applicable" means the hazard is not modelled here.
| Hazard | Risk rating and score |
|---|---|
| Hurricane | Relatively low 81 |
| Wildfire | Relatively low 73 |
| Lightning | Relatively low 48 |
| Tornado | Relatively low 27 |
| Heat wave | Very low 36 |
| Earthquake | Very low 26 |
| Drought | Very low 18 |
| Cold wave | Very low 12 |
| Inland (riverine) flooding | Very low 11 |
| Strong wind | Very low 9 |
| Landslide | Very low 2 |
| Winter weather | Very low 2 |
| Hail | Very low 1 |
| Avalanche | Not applicable |
| Coastal flooding | No rating |
| Ice storm | Not applicable |
| Tsunami | Not applicable |
| Volcanic activity | Not applicable |
FEMA disaster declarations for Union County
Federal declarations that designated Union County, since 1 Jan 2024 (the period this site keeps from OpenFEMA). Older declarations are in FEMA's own dataset.
Yes. Union County has been named in 6 FEMA declarations since 1 Jan 2024. The latest is DR-4834-FL (Hurricane Milton), declared 11 Oct 2024.
| Declaration | Kind | Incident | Declared | Individual assistance here |
|---|---|---|---|---|
| DR-4834-FL | Major disaster | Hurricane Milton | 11 Oct 2024 | No |
| EM-3622-FL | Emergency | Hurricane Milton | 7 Oct 2024 | No |
| DR-4828-FL | Major disaster | Hurricane Helene | 28 Sep 2024 | Yes |
| 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 Union County, Florida?
FEMA's National Risk Index rates the overall risk in Union County as very low, with a score of 10.9 out of 100 (higher than 10% of US counties). That is a comparison with other US counties, not a forecast.
What are the biggest natural hazards in Union County?
The hazards rated highest for Union County are hurricane (relatively low), wildfire (relatively low), lightning (relatively low).
What is the flood risk in Union County?
FEMA rates inland (river and rain) flooding risk in Union County as very low. For a specific property, check the FEMA flood map and your local floodplain office.
Has Union County had a FEMA disaster declaration?
Yes. Union County has been named in 6 FEMA declarations since 1 Jan 2024. The latest is DR-4834-FL (Hurricane Milton), declared 11 Oct 2024.
Is Union County in a drought?
Yes. On the U.S. Drought Monitor map valid 13 October 2026, 5.61% of Union County is in D2 Severe Drought. Some of it has been at D2 or worse for 42 weeks in a row. In all, 76.83% of the county is in drought (D1 to D4).
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