Storm risk in Escambia County, Florida

FEMA's overall hazard score for Escambia County is 95.10 (Relatively High), 155th of 3,144 counties. Hail scores 59.64 (Relatively Low), strong wind 46.09 (Relatively Low) and tornado 71.18 (Relatively Moderate). Expected hail loss is $3.23 per $1 million of buildings a year; NOAA logged 21 hail reports in Escambia County from 2014 to June 2026.

FEMA National Risk Index, version December 2025, retrieved October 8, 2026. NOAA hail reports 2014 to June 2026.

Escambia County: expected yearly loss per $1 million of buildings for hail, strong wind and tornado, on a log scale, against all U.S. counties and the counties of FL$0.1$1$10$100$1,000Hail: $3.23 per $1 million, 2,563rd of 3,126 rated counties$3.23Hail2,563rd of 3,126 countiesStrong wind: $3.40 per $1 million, 2,776th of 3,121 rated counties$3.40Strong wind2,776th of 3,121 countiesTornado: $44 per $1 million, 2,462nd of 3,144 rated counties$44Tornado2,462nd of 3,144 counties
  • Escambia County, coloured by its FEMA rating
  • all U.S. counties
  • each county in the state
  • U.S. median
  • state median

Expected yearly loss per $1 million of buildings, log scale. Dot colour is FEMA’s rating band. The tornado lane counts everything exposed, not only buildings.

How FEMA rates Escambia County

HazardRatingScore (0 to 100)Rank in U.S.Rank in FL
OverallRelatively High 95.10155 of 3,14419 of 67
HailRelatively Low 59.641,270 of 3,1267 of 67
Strong windRelatively Low 46.091,696 of 3,12641 of 67
TornadoRelatively Moderate 71.18907 of 3,12638 of 67

Expected yearly loss, in dollars

HazardThis county, total a yearPer $1M of buildingsState median countyU.S. median countyRank per $1M, U.S.Rank per $1M, state
Hail$185,475$3.23 $0.46$22 2,563 of 3,12610 of 67
Strong wind$194,849$3.40 $8.40$20 2,776 of 3,12158 of 67
Tornado$2,551,450$44 $176$199 2,462 of 3,14462 of 67

Rank 1 is the highest. Overall, hail and wind losses count buildings; the tornado row counts everything FEMA exposes, so it overstates building damage. Expected annual loss is an average over many years for the whole county, not a forecast for one roof.

What stands out in Escambia County

  • FEMA expects hail in Escambia County to cost $3.23 per $1 million of buildings a year: 0.14 times the U.S. median and 7.02 times the FL county median, ranked 2,563rd of 3,126 counties nationally and 10th of 67 in Florida.
  • FEMA expects strong wind in Escambia County to cost $3.40 per $1 million of buildings a year: 0.17 times the U.S. median and 0.40 times the FL county median, ranked 2,776th of 3,121 counties nationally and 58th of 67 in Florida.
  • FEMA expects tornado in Escambia County to cost $44 per $1 million of buildings a year: 0.22 times the U.S. median and 0.25 times the FL county median, ranked 2,462nd of 3,144 counties nationally and 62nd of 67 in Florida.
  • Applying FEMA's estimate to a $234,200 home, the average yearly loss in Escambia County is about $0.76 for hail and $0.80 for wind before any deductible; at the U.S. median county rates it would be $5.23 and $4.77.
  • If the next years look like 2014 to 2025, a roof kept 20 years in Escambia County meets about 25.0 hail days of 1 inch or more; the median county in NOAA's file (1,275 counties) would give 35.0.
  • Built in 1983, the median home in Escambia County is 43 years old, so an original roof has outlived a 3-tab shingle (15 to 20 years) and an architectural one (25 to 30 years); 75.0% of its 147,678 homes are at least 26 years old.
  • March to June holds 15 of the 21 hail reports in Escambia County (71 percent); the quietest month is June, with 0 reports.

What hail and wind cost a home here in an average year

Enter a home value. The calculator applies Escambia County’s own loss rate: the county’s expected yearly loss divided by the value of its buildings. It starts at the Census median home value for the county.

$0.76hail, a year; $5.23 at the U.S. median county rate
$0.80strong wind, a year; $4.77 at the U.S. median county rate
$31hail and wind together over 20 years, at today’s rate

Formula: home value × Escambia County yearly loss ÷ building value. Hail: $185,475 ÷ $57,378,858,563 = 0.0000032. Wind: $194,849 ÷ $57,378,858,563 = 0.0000034. This is FEMA’s estimate of average damage to buildings and does not account for your deductible. Tornado is left out because FEMA’s tornado loss counts people and other exposure, not only buildings.

Read this as a yardstick. The rate is an average over every building in the county, from sheds to office towers, and over many years. Real losses come in rare, large storms; a roof with no damage in 19 years can need full replacement in the 20th. The figure is not a quote and not a prediction for one address.

Escambia County in plain numbers

  • Escambia County scores 95.10 in FEMA's overall hazard index (Relatively High): 155th of 3,144 rated counties and 19th of 67 in Florida.
  • Hail scores 59.64 (Relatively Low). FEMA expects $185,475 of hail damage to buildings in Escambia County a year, which is $3.23 per $1 million of buildings, 0.14 times the U.S. median.
  • Strong wind scores 46.09 (Relatively Low) with $194,849 of expected yearly building loss in Escambia County: $3.40 per $1 million of buildings, 0.17 times the U.S. median.
  • Tornado scores 71.18 (Relatively Moderate) and FEMA's expected yearly tornado loss is $2,551,450, counting everything exposed, or $44 per $1 million of buildings in Escambia County.
  • FEMA's own event record for Escambia County averages 1.42 hail events and 1.92 strong-wind events a year.
  • NOAA logged 21 hail reports in Escambia County between 2014 and June 2026, on 16 days with stones of 1 inch or more; the largest was 2 inches.
  • In Escambia County, FEMA counts buildings worth 57.38 billion dollars and 321,367 residents.
  • Social vulnerability is Relatively Moderate in Escambia County.
  • Community resilience there is Relatively Low, for 321,367 residents.
  • 1 city in Escambia County is covered on this site: Pensacola. 19 Census ZIP areas have more than half of their land in the county.
  • Our guide range for a 2,000 sq ft asphalt roof in Pensacola is $6,160 to $13,640.
  • Escambia County ranks 167 of the 194 counties with a page here for hail loss per $1 million of buildings, 168 for wind and 179 for tornado.
  • In Escambia County, March is the busiest month with 6 of the 21 reports (29 percent), against 0 reports in September.
  • Escambia County's worst year was 2025, with 3 hail days at 1 inch or more and 4 reports. At the 2014 to 2025 pace that is 1.25 such days a year, one about every 9.6 months.
  • The median home in Escambia County was built in 1983; 44.4% of its 147,678 housing units date from before 1980, 75.0% from before 2000 and 11.2% from 2010 on.
  • Census puts the median home value in Escambia County at $234,200, and 64.0% of homes are lived in by their owners.
  • 14,305 single-family building permits were issued in Escambia County from 2014 to 2025, about 96.9 per 1,000 homes, peaking in 2020.
  • NOAA lists 11 tornado tracks in Escambia County since 2014; the strongest was an EF3 on February 15, 2016 near Mc David, 12.57 miles long.
  • The fastest gust in NOAA's records for Escambia County is 92 mph on May 25, 2022 at (Pns)Pensacola Regio.
  • The nearest county with a page here is Leon County, 181 miles from the centre of Escambia County; its hail score is 45.17.
  • Across counties the median is one roofing firm for every 5,189 homes; Census counted 29 roofing contractor establishments in Escambia County in 2023, one for every 5,092 homes.

The hail record of Escambia County, year by year

NOAA logged 21 reports in Escambia County; hail of 1 inch or more fell on 16 days. That is 1.2 such days a year; the median county in NOAA’s file has 1.8.

Escambia County: NOAA hail reports per year, 2014 to June 2026, with the number of days that had hail of 1 inch or more012342014: 1 reports, 1 days at 1 inch or more, largest 1 inch142015: 0 reports, 0 days at 1 inch or more, largest 0 inch152016: 4 reports, 2 days at 1 inch or more, largest 1 inch162017: 2 reports, 2 days at 1 inch or more, largest 2 inch172018: 0 reports, 0 days at 1 inch or more, largest 0 inch182019: 0 reports, 0 days at 1 inch or more, largest 0 inch192020: 0 reports, 0 days at 1 inch or more, largest 0 inch202021: 2 reports, 2 days at 1 inch or more, largest 1.5 inch212022: 2 reports, 2 days at 1 inch or more, largest 1 inch222023: 4 reports, 2 days at 1 inch or more, largest 1.25 inch232024: 1 reports, 1 days at 1 inch or more, largest 1 inch242025: 4 reports, 3 days at 1 inch or more, largest 1.5 inch252026: 1 reports, 1 days at 1 inch or more, largest 1 inch26*
  • reports
  • days with hail of 1 inch or more
  • * 2026 runs to June only
Escambia County: NOAA hail reports by calendar month, 2014 to June 2026January: 2 reports2JanFebruary: 1 reports1FebMarch: 6 reports6MarApril: 5 reports5AprMay: 4 reports4MayJune: 0 reports0JunJuly: 0 reports0JulAugust: 1 reports1AugSeptember: 0 reports0SepOctober: 1 reports1OctNovember: 1 reports1NovDecember: 0 reports0Dec

Reports by calendar month, all years together. Peak: March, 6 reports.

The same numbers as a table (years with at least one report)
YearReportsDays, 1 inch or moreDays, 1.75 inch or moreLargest stoneDamage reported
20141101 in–
20164201 in–
20172212 in–
20212201.5 in–
20222201 in–
20234201.25 in–
20241101 in–
20254301.5 in–
2026 (to June)1101 in–

Biggest hail days in Escambia County

DateLargest stoneReports that dayDamage reportedNear
January 21, 20172 in1none recordedWalnut Hill
May 3, 20251.5 in2none recordedMolino
February 9, 20211.5 in1none recordedWalnut Hill
April 27, 20231.25 in3none recordedFerry Pass
March 26, 20161 in3none recordedBelleview

Where large hail was reported

FEMA scores the county as a whole. NOAA’s reports show where inside Escambia County the big stones fell.

Reported hail locations, Escambia County

1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1.25 in hail1.25 in hail1.5 in hail1.5 in hail2 in hail Pensacola
  • 201 to 1.74 in
  • 11.75 to 2.74 in, golf ball to tennis ball
  • 02.75 in and up, baseball

Largest plotted stone: 2 in. Bigger dots are bigger stones.

21 reports of 1 inch or larger have coordinates. Each dot is a reported location, not a storm path.

Sources: NOAA, Census county outline

Wind and tornado records for Escambia County

Fastest gusts in Escambia County

DateGustNear
May 25, 202292 mph(Pns)Pensacola Regio
April 19, 202085 mphQuintette
February 21, 201481 mphWalnut Hill
February 15, 201681 mphFerry Pass

Strongest tornado tracks in Escambia County

DateScaleLengthInjured / killedNear
February 23, 2016EF32.99 mi3 / 0Ferry Pass
February 15, 2016EF312.57 mi3 / 0Mc David
June 15, 2023EF28.58 mi0 / 0West Pensacola
May 10, 2025EF10.61 mi0 / 0(Npa)Nas Pensacola

11 tornado tracks in all since 2014; the strongest 4 are listed.

How old the roofs are

Census counts homes by the decade they were built. Under each bar is the number of hail days of 1 inch or more that an original roof from that decade has met, at Escambia County’s 2014 to 2025 pace of 1.25 such days a year. Most roofs have been replaced since; the row shows what a roof that never was would have taken.

Escambia County: share of homes by decade built, with the hail days at 1 inch or more that an original roof from each decade has met at the county's 2014 to 2025 ratepre-1940: 3.6% of homes3.6%<19401141940s: 4.1% of homes4.1%1940s1011950s: 9.9% of homes9.9%1950s891960s: 9.6% of homes9.6%1960s761970s: 17.3% of homes17.3%1970s641980s: 16.8% of homes16.8%1980s511990s: 13.8% of homes13.8%1990s392000s: 13.8% of homes13.8%2000s262010s: 9.5% of homes9.5%2010s142020+: 1.7% of homes1.7%2020+4

Bars: share of 147,678 housing units by decade built. Figures under the decade: hail days met by an original roof, at the county’s 2014 to 2025 pace. The pace of earlier years is unknown.

Median year built1983
Built before 198044.4%
Built before 200075.0%
Built since 201011.2%
Owner-occupied64.0%
Median home value$234,200
Single-family permits, 2014 to 202514,305
Permits per 1,000 homes96.9

Asphalt shingles are rated 15 to 20 years (3-tab) and 25 to 30 years (architectural). Source: Census ACS 2019 to 2023 and Building Permits Survey.

Roofers and past disasters in Escambia County

Roofing firms in Escambia County

Roofing contractor establishments, 202329
Change since 2016+13 (+81%)
Homes per roofing firm5,092
Median across counties5,189
Employees, 2023243

Source for Escambia County: Census County Business Patterns, NAICS 238160.

Nearby counties

The closest counties that have a risk page, by distance between county centres. Loss is per $1 million of buildings; the columns marked "times here" divide the neighbour's loss by Escambia County's.

CountyMilesOverallHail lossHail, times hereWind lossWind, times hereNOAA hail reports
Leon County, FL181 Relatively Moderate $1.400.43$9.752.8724
Alachua County, FL307 Relatively Moderate $0.460.14$7.732.2827
Marion County, FL331 Relatively High $0.510.16$6.872.0219
Pinellas County, FL339 Relatively High $144.21$2.820.837
Flagler County, FL372 Relatively Moderate $0.300.09$102.9649
Volusia County, FL387 Relatively High $0.370.11$4.851.4348

More Florida counties, nearest first

All 194 counties, with a filter by state and sorting

Cities and ZIP areas in Escambia County

1 city in this county is on PickARoofer. ZIP Code Tabulation Areas are Census shapes that approximate ZIP codes; where we have a city’s ZIPs, the share is the part of each area’s land that lies in this county. 19 such areas have more than half their land here.

CityZIP areas (share of land in the county)Pages
Pensacola 32501 (100%), 32503 (100%), 32504 (100%), 32505 (100%), 32507 (100%) Roofers

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Questions

How high is storm risk in Escambia County?

FEMA's National Risk Index gives Escambia County an overall score of 95.10 (Relatively High), 155th of 3,144. Hail scores 59.64 (Relatively Low), strong wind 46.09 (Relatively Low) and tornado 71.18 (Relatively Moderate).

In Escambia County, how many hail reports has NOAA logged?

A report is one entry for one storm in one county, so counts follow where people live as well as where hail fell. NOAA has 21 for Escambia County between 2014 and June 2026, on 16 days with hail of 1 inch or more; the largest stone was 2 inches.

What do hail and wind cost a home in Escambia County each year, on average?

Applying FEMA's county rates to its median home value of $234,200: FEMA's estimate is about $0.76 a year for hail and $0.80 for wind, before any deductible, against $5.23 and $4.77 at the U.S. median county rates. This is an average over many years and all buildings, not a prediction for one roof; one bad storm costs far more than the average year.

How does Escambia County compare with the rest of Florida?

Per $1 million of buildings Escambia County loses $3.23 to hail a year, against $0.46 in the median county of the state. Among 67 rated counties it is 7th for hail, 41st for strong wind and 38th for tornado.

How old are the roofs in Escambia County?

The median home was built in 1983, 43 years ago, and 75.0% of the 147,678 housing units in Escambia County date from before 2000. Asphalt shingles are rated 15 to 20 years (3-tab) or 25 to 30 years (architectural), so an original roof of either kind is past its rated life. The Census does not record when a roof was replaced.

What does expected annual loss mean?

It is FEMA's estimate of the average yearly loss from a hazard, in dollars, summed over the county. It is built for comparing counties at planning level, not for pricing one house.

Does a high rating mean my roof will be damaged?

No. The index compares counties and cannot say what will happen on your street. After a storm, a roof inspection is the only way to know.

Sources for Escambia County: FEMA National Risk Index, version December 2025, retrieved October 8, 2026; NOAA Storm Events Database hail reports for Escambia County; Census Bureau ZCTA-to-county relationship file (2020); Census ACS and Building Permits Survey, homes in Escambia County; Census County Business Patterns, roofing firms in Escambia County. Planning-level information about Escambia County, not an inspection and not insurance advice.

This product uses the Federal Emergency Management Agency's National Risk Index dataset 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).