State Risk Profile
Florida FL
Florida content should focus on cost realism: flood insurance, storm resilience, and long-term livability all shape purchase risk.
FloodHurricaneExtreme Heat
Statewide Profile
- Population
- 22.6M
- Insurance Market
- High Pressure
- Cities Profiled
- 24
- Last Reviewed
- 2026-06-06
Risk Summary
Florida's risk profile is concentrated in coastal metros and low-lying regions, with heat and insurance stress now statewide concerns.
South Florida and Gulf Coast markets often carry the highest flood and hurricane burden, while inland metros still face heavy rain and heat.
Insurance Market
Florida has one of the most stressed insurance markets in the US, with high premiums, rising deductibles, and ongoing carrier pressure.
- Wind and flood insurance can both materially affect affordability.
- Inland locations often see lower but still significant climate-related pricing pressure.
Notable Events
Significant state-level events
2022Hurricane
Hurricane Ian
A major Southwest Florida storm that intensified statewide focus on surge and insurance risk.
2017Hurricane
Hurricane Irma
Irma affected broad parts of the state and remains a key benchmark for buyers and insurers.
City Directory
24 cities profiled in Florida
Boca Raton
Palm Beach County
HurricaneFlood
View full report
Top 5% most at-risk nationally
Cape Coral
Lee County
HurricaneFlood
View full report
Top 5% most at-risk nationally
Clearwater
Pinellas County
HurricaneFlood
View full report
Top 5% most at-risk nationally
Daytona Beach
Volusia County
HurricaneWildfire
View full report
Top 5% most at-risk nationally
Fort Lauderdale
Broward County
HurricaneExtreme Heat
View full report
Top 5% most at-risk nationally
Fort Myers
Lee County
HurricaneFlood
View full report
Top 5% most at-risk nationally
Gainesville
Alachua County
HurricaneWildfire
View full report
Top 10% most at-risk nationally
Jacksonville
Duval County
HurricaneFlood
View full report
Top 5% most at-risk nationally
Key West
Monroe County
FloodHurricane
View full report
Top 10% most at-risk nationally
Lakeland
Polk County
HurricaneWildfire
View full report
Top 5% most at-risk nationally
Miami
Miami-Dade County
HurricaneFlood
View full report
Top 5% most at-risk nationally
Miami Beach
Miami-Dade County
HurricaneFlood
View full report
Top 5% most at-risk nationally
Naples
Collier County
HurricaneFlood
View full report
Top 5% most at-risk nationally
Ocala
Marion County
HurricaneWildfire
View full report
Top 5% most at-risk nationally
Orlando
Orange County
HurricaneFlood
View full report
Top 5% most at-risk nationally
Palm Bay
Brevard County
HurricaneWildfire
View full report
Top 5% most at-risk nationally
Panama City
Bay County
HurricaneExtreme Heat
View full report
Top 10% most at-risk nationally
Pensacola
Escambia County
HurricaneExtreme Heat
View full report
Top 5% most at-risk nationally
Port St. Lucie
St. Lucie County
HurricaneFlood
View full report
Top 5% most at-risk nationally
Sarasota
Sarasota County
HurricaneFlood
View full report
Top 5% most at-risk nationally
St. Petersburg
Pinellas County
HurricaneFlood
View full report
Top 5% most at-risk nationally
Tallahassee
Leon County
HurricaneExtreme Heat
View full report
Top 10% most at-risk nationally
Tampa
Hillsborough County
HurricaneFlood
View full report
Top 5% most at-risk nationally
West Palm Beach
Palm Beach County
HurricaneFlood
View full report
Top 5% most at-risk nationally
Location Reports
Active Address Risk Reports in Florida
Explore parcel-level climate risk snapshots and insurance cost estimates for ZIP codes in Florida.
32003Fleming Island32025Lake City32034Fernandina Beach32043Green Cove Springs32060Live Oak32065Orange Park32068Middleburg32073Orange Park32081Ponte Vedra32082Ponte Vedra Beach32084Saint Augustine32086Saint Augustine32092Saint Augustine32097Yulee32114Daytona Beach32117Daytona Beach32119Daytona Beach32127Port Orange32128Port Orange32129Port Orange32137Palm Coast32159Lady Lake32162The Villages32163The Villages32164Palm Coast32168New Smyrna Beach32174Ormond Beach32177Palatka32202Jacksonville32204Jacksonville32205Jacksonville32206Jacksonville32207Jacksonville32208Jacksonville32209Jacksonville32210Jacksonville32211Jacksonville32212Jacksonville32216Jacksonville32217Jacksonville32218Jacksonville32219Jacksonville32220Jacksonville32221Jacksonville32222Jacksonville32223Jacksonville32224Jacksonville32225Jacksonville32226Jacksonville32227Jacksonville32233Atlantic Beach32234Jacksonville32244Jacksonville32246Jacksonville32250Jacksonville Beach32254Jacksonville32256Jacksonville32257Jacksonville32258Jacksonville32259Saint Johns32277Jacksonville32301Tallahassee32303Tallahassee32304Tallahassee32308Tallahassee32309Tallahassee32312Tallahassee32327Crawfordville32404Panama City32405Panama City32501Pensacola32502Pensacola32503Pensacola32504Pensacola32505Pensacola32506Pensacola32507Pensacola32508Pensacola32511Pensacola32514Pensacola32526Pensacola32533Cantonment32534Pensacola32536Crestview32539Crestview32547Fort Walton Beach32548Fort Walton Beach32563Gulf Breeze32566Navarre32570Milton32571Milton32578Niceville32583Milton32601Gainesville32605Gainesville32606Gainesville32607Gainesville32608Gainesville32701Altamonte Springs32703Apopka32707Casselberry32708Winter Springs32712Apopka32713Debary32714Altamonte Springs32720Deland32724Deland32725Deltona32726Eustis32738Deltona32746Lake Mary32750Longwood32751Maitland32757Mount Dora32763Orange City32765Oviedo32771Sanford32773Sanford32778Tavares32779Longwood32780Titusville32789Winter Park32792Winter Park32801Orlando32803Orlando32804Orlando32805Orlando32806Orlando32807Orlando32808Orlando32809Orlando32810Orlando32811Orlando32812Orlando32814Orlando32816Orlando32817Orlando32818Orlando32819Orlando32820Orlando32821Orlando32822Orlando32824Orlando32825Orlando32826Orlando32827Orlando32828Orlando32829Orlando32831Orlando32832Orlando32833Orlando32835Orlando32836Orlando32837Orlando32839Orlando32901Melbourne32904Melbourne32905Palm Bay32907Palm Bay32909Palm Bay32926Cocoa32927Cocoa32935Melbourne32937Satellite Beach32940Melbourne32953Merritt Island32955Rockledge32958Sebastian32960Vero Beach32962Vero Beach32967Vero Beach33009Hallandale33010Hialeah33012Hialeah33013Hialeah33014Hialeah33015Hialeah33016Hialeah33018Hialeah33020Hollywood33021Hollywood33023Hollywood33024Hollywood33025Hollywood33026Hollywood33027Hollywood33028Pembroke Pines33029Hollywood33030Homestead33032Homestead33033Homestead33034Homestead33040Key West33054Opa Locka33055Opa Locka33056Miami Gardens33060Pompano Beach33062Pompano Beach33063Pompano Beach33064Pompano Beach33065Coral Springs33067Pompano Beach33068Pompano Beach33069Pompano Beach33071Coral Springs33073Pompano Beach33076Pompano Beach33122Miami33125Miami33126Miami33127Miami33128Miami33129Miami33130Miami33131Miami33132Miami33133Miami33134Miami33135Miami33136Miami33137Miami33138Miami33139Miami Beach33141Miami Beach33142Miami33143Miami33144Miami33145Miami33146Miami33147Miami33150Miami33155Miami33156Miami33157Miami33158Miami33160North Miami Beach33161Miami33162Miami33165Miami33166Miami33167Miami33168Miami33169Miami33170Miami33172Miami33173Miami33174Miami33175Miami33176Miami33177Miami33178Miami33179Miami33180Miami33181Miami33182Miami33183Miami33184Miami33185Miami33186Miami33187Miami33189Miami33190Miami33193Miami33194Miami33196Miami33301Fort Lauderdale33304Fort Lauderdale33305Fort Lauderdale33306Fort Lauderdale33308Fort Lauderdale33309Fort Lauderdale33311Fort Lauderdale33312Fort Lauderdale33313Fort Lauderdale33314Fort Lauderdale33315Fort Lauderdale33316Fort Lauderdale33317Fort Lauderdale33319Fort Lauderdale33321Fort Lauderdale33322Fort Lauderdale33323Fort Lauderdale33324Fort Lauderdale33325Fort Lauderdale33326Fort Lauderdale33327Fort Lauderdale33328Fort Lauderdale33330Fort Lauderdale33331Fort Lauderdale33332Fort Lauderdale33334Fort Lauderdale33351Fort Lauderdale33401West Palm Beach33404West Palm Beach33406West Palm Beach33407West Palm Beach33409West Palm Beach33410Palm Beach Gardens33411West Palm Beach33414Wellington33415West Palm Beach33417West Palm Beach33418Palm Beach Gardens33426Boynton Beach33428Boca Raton33431Boca Raton33433Boca Raton33435Boynton Beach33436Boynton Beach33437Boynton Beach33441Deerfield Beach33442Deerfield Beach33444Delray Beach33445Delray Beach33446Delray Beach33458Jupiter33460Lake Worth Beach33461Lake Worth33462Lake Worth33463Lake Worth33467Lake Worth33470Loxahatchee33484Delray Beach33486Boca Raton33496Boca Raton33510Brandon33511Brandon33541Zephyrhills33542Zephyrhills33543Wesley Chapel33544Wesley Chapel33545Wesley Chapel33547Lithia33556Odessa33558Lutz33563Plant City33566Plant City33569Riverview33570Ruskin33572Apollo Beach33573Sun City Center33578Riverview33579Riverview33584Seffner33594Valrico33596Valrico33598Wimauma33602Tampa33603Tampa33604Tampa33605Tampa33606Tampa33607Tampa33609Tampa33610Tampa33611Tampa33612Tampa33613Tampa33614Tampa33615Tampa33616Tampa33617Tampa33618Tampa33619Tampa33620Tampa33621Tampa33624Tampa33625Tampa33626Tampa33629Tampa33634Tampa33635Tampa33637Tampa33647Tampa33702Saint Petersburg33703Saint Petersburg33705Saint Petersburg33707Saint Petersburg33709Saint Petersburg33710Saint Petersburg33712Saint Petersburg33713Saint Petersburg33755Clearwater33756Clearwater33764Clearwater33770Largo33771Largo33772Seminole33781Pinellas Park33782Pinellas Park33801Lakeland33803Lakeland33805Lakeland33809Lakeland33810Lakeland33811Lakeland33813Lakeland33823Auburndale33825Avon Park33830Bartow33837Davenport33844Haines City33860Mulberry33870Sebring33880Winter Haven33881Winter Haven33884Winter Haven33897Davenport33901Fort Myers33903North Fort Myers33904Cape Coral33905Fort Myers33907Fort Myers33908Fort Myers33909Cape Coral33913Fort Myers33914Cape Coral33916Fort Myers33917North Fort Myers33919Fort Myers33928Estero33935Labelle33936Lehigh Acres33950Punta Gorda33952Port Charlotte33967Fort Myers33971Lehigh Acres33990Cape Coral33991Cape Coral33993Cape Coral34102Naples34103Naples34104Naples34105Naples34108Naples34109Naples34110Naples34112Naples34113Naples34114Naples34116Naples34117Naples34119Naples34120Naples34135Bonita Springs34142Immokalee34202Bradenton34203Bradenton34205Bradenton34207Bradenton34208Bradenton34209Bradenton34212Bradenton34219Parrish34221Palmetto34231Sarasota34232Sarasota34238Sarasota34243Sarasota34266Arcadia34287North Port34293Venice34471Ocala34472Ocala34473Ocala34476Ocala34480Ocala34481Ocala34482Ocala34491Summerfield34601Brooksville34606Spring Hill34608Spring Hill34609Spring Hill34638Land O'Lakes34639Land O'Lakes34652New Port Richey34653New Port Richey34654New Port Richey34655New Port Richey34667Hudson34668Port Richey34677Oldsmar34683Palm Harbor34684Palm Harbor34689Tarpon Springs34698Dunedin34711Clermont34714Clermont34715Clermont34736Groveland34741Kissimmee34743Kissimmee34744Kissimmee34746Kissimmee34747Kissimmee34748Leesburg34758Kissimmee34759Kissimmee34761Ocoee34769Saint Cloud34771Saint Cloud34772Saint Cloud34786Windermere34787Winter Garden34788Leesburg34952Port Saint Lucie34953Port Saint Lucie34957Jensen Beach34974Okeechobee34982Fort Pierce34983Port Saint Lucie34986Port Saint Lucie34990Palm City34997Stuart