Storm risk in Flagler County, Florida

FEMA's overall hazard score for Flagler County is 82.76 (Relatively Moderate), 543rd of 3,144 counties. Hail scores 6.84 (Very Low), strong wind 41.38 (Relatively Low) and tornado 80.95 (Relatively Moderate). Expected hail loss is $0.30 per $1 million of buildings a year; NOAA logged 49 hail reports in Flagler County from 2014 to June 2026.

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

Flagler 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: $0.30 per $1 million, 2,980th of 3,126 rated counties$0.30Hail2,980th of 3,126 countiesStrong wind: $10 per $1 million, 2,200th of 3,121 rated counties$10Strong wind2,200th of 3,121 countiesTornado: $183 per $1 million, 1,658th of 3,144 rated counties$183Tornado1,658th of 3,144 counties
  • Flagler 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 Flagler County

HazardRatingScore (0 to 100)Rank in U.S.Rank in FL
OverallRelatively Moderate 82.76543 of 3,14437 of 67
HailVery Low 6.842,930 of 3,12652 of 67
Strong windRelatively Low 41.381,844 of 3,12642 of 67
TornadoRelatively Moderate 80.95600 of 3,12633 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$5,680$0.30 $0.46$22 2,980 of 3,12654 of 67
Strong wind$192,398$10 $8.40$20 2,200 of 3,12129 of 67
Tornado$3,505,171$183 $176$199 1,658 of 3,14432 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 Flagler County

  • FEMA expects hail in Flagler County to cost $0.30 per $1 million of buildings a year: 0.01 times the U.S. median and 0.64 times the FL county median, ranked 2,980th of 3,126 counties nationally and 54th of 67 in Florida.
  • FEMA expects strong wind in Flagler County to cost $10 per $1 million of buildings a year: 0.49 times the U.S. median and 1.20 times the FL county median, ranked 2,200th of 3,121 counties nationally and 29th of 67 in Florida.
  • FEMA expects tornado in Flagler County to cost $183 per $1 million of buildings a year: 0.92 times the U.S. median and 1.04 times the FL county median, ranked 1,658th of 3,144 counties nationally and 32nd of 67 in Florida.
  • Applying FEMA's estimate to a $333,400 home, the average yearly loss in Flagler County is about $0.10 for hail and $3.35 for wind before any deductible; at the U.S. median county rates it would be $7.45 and $6.79.
  • If the next years look like 2014 to 2025, a roof kept 20 years in Flagler County meets about 26.7 hail days of 1 inch or more; the median county in NOAA's file (1,275 counties) would give 35.0.
  • Built in 2001, the median home in Flagler County is 25 years old, so an original roof has outlived a 3-tab shingle (15 to 20 years) and is inside the rated life of an architectural one (25 to 30 years); 45.0% of its 58,520 homes are at least 26 years old.
  • March to June holds 39 of the 49 hail reports in Flagler County (80 percent); the quietest month is September, with 0 reports.

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

Enter a home value. The calculator applies Flagler 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.

$0.10hail, a year; $7.45 at the U.S. median county rate
$3.35strong wind, a year; $6.79 at the U.S. median county rate
$69hail and wind together over 20 years, at today’s rate

Formula: home value × Flagler County yearly loss ÷ building value. Hail: $5,680 ÷ $19,146,867,481 = 0.0000003. Wind: $192,398 ÷ $19,146,867,481 = 0.0000100. 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.

Flagler County in plain numbers

  • Flagler County scores 82.76 in FEMA's overall hazard index (Relatively Moderate): 543rd of 3,144 rated counties and 37th of 67 in Florida.
  • Hail scores 6.84 (Very Low). FEMA expects $5,680 of hail damage to buildings in Flagler County a year, which is $0.30 per $1 million of buildings, 0.01 times the U.S. median.
  • Strong wind scores 41.38 (Relatively Low) with $192,398 of expected yearly building loss in Flagler County: $10 per $1 million of buildings, 0.49 times the U.S. median.
  • Tornado scores 80.95 (Relatively Moderate) and FEMA's expected yearly tornado loss is $3,505,171, counting everything exposed, or $183 per $1 million of buildings in Flagler County.
  • FEMA's own event record for Flagler County averages 2.07 hail events and 1.12 strong-wind events a year.
  • NOAA logged 49 hail reports in Flagler County between 2014 and June 2026, on 16 days with stones of 1 inch or more; the largest was 2 inches.
  • In Flagler County, FEMA counts buildings worth 19.15 billion dollars and 115,270 residents.
  • Social vulnerability is Relatively High in Flagler County.
  • Community resilience there is Relatively Moderate, for 115,270 residents.
  • 1 city in Flagler County is covered on this site: Palm Coast. 4 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 Palm Coast is $7,350 to $16,275.
  • Flagler County ranks 188 of the 194 counties with a page here for hail loss per $1 million of buildings, 105 for wind and 116 for tornado.
  • In Flagler County, June is the busiest month with 14 of the 49 reports (29 percent), against 0 reports in December.
  • Flagler County's worst year was 2021, with 2 hail days at 1 inch or more and 9 reports. At the 2014 to 2025 pace that is 1.33 such days a year, one about every 9.0 months.
  • The median home in Flagler County was built in 2001; 9.1% of its 58,520 housing units date from before 1980, 45.0% from before 2000 and 15.8% from 2010 on.
  • Census puts the median home value in Flagler County at $333,400, and 81.5% of homes are lived in by their owners.
  • 18,620 single-family building permits were issued in Flagler County from 2014 to 2025, about 318.2 per 1,000 homes, peaking in 2021.
  • NOAA lists 6 tornado tracks in Flagler County since 2014; the strongest was an EF2 on October 12, 2023 near Indian Trails, 1 miles long.
  • The fastest gust in NOAA's records for Flagler County is 71 mph on April 2, 2022 at Hammock.
  • The nearest county with a page here is Volusia County, 32 miles from the centre of Flagler County; its hail score is 39.15.
  • Across counties the median is one roofing firm for every 5,189 homes; Census counted 18 roofing contractor establishments in Flagler County in 2023, one for every 3,251 homes.

The hail record of Flagler County, year by year

NOAA logged 49 reports in Flagler County; hail of 1 inch or more fell on 16 days. That is 1.3 such days a year; the median county in NOAA’s file has 1.8.

Flagler County: NOAA hail reports per year, 2014 to June 2026, with the number of days that had hail of 1 inch or more02468102014: 3 reports, 2 days at 1 inch or more, largest 1.75 inch142015: 7 reports, 2 days at 1 inch or more, largest 1 inch152016: 6 reports, 1 days at 1 inch or more, largest 2 inch162017: 4 reports, 2 days at 1 inch or more, largest 1 inch172018: 1 reports, 1 days at 1 inch or more, largest 1 inch182019: 2 reports, 1 days at 1 inch or more, largest 1.75 inch192020: 2 reports, 0 days at 1 inch or more, largest 0.75 inch202021: 9 reports, 2 days at 1 inch or more, largest 1.5 inch212022: 3 reports, 2 days at 1 inch or more, largest 1.25 inch222023: 8 reports, 2 days at 1 inch or more, largest 1.75 inch232024: 2 reports, 1 days at 1 inch or more, largest 1.5 inch242025: 2 reports, 0 days at 1 inch or more, largest 0.88 inch252026: 0 reports, 0 days at 1 inch or more, largest 0 inch26*
  • reports
  • days with hail of 1 inch or more
  • * 2026 runs to June only
Flagler County: NOAA hail reports by calendar month, 2014 to June 2026January: 3 reports3JanFebruary: 5 reports5FebMarch: 2 reports2MarApril: 11 reports11AprMay: 12 reports12MayJune: 14 reports14JunJuly: 1 reports1JulAugust: 1 reports1AugSeptember: 0 reports0SepOctober: 0 reports0OctNovember: 0 reports0NovDecember: 0 reports0Dec

Reports by calendar month, all years together. Peak: June, 14 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
20143211.75 in–
20157201 in–
20166112 in–
20174201 in–
20181101 in–
20192111.75 in–
20202000.75 in–
20219201.5 in–
20223201.25 in–
20238211.75 in–
20242101.5 in–
20252000.88 in–

Biggest hail days in Flagler County

DateLargest stoneReports that dayDamage reportedNear
May 4, 20162 in6none recordedFlagler County Airport
June 19, 20231.75 in3none recordedPalm Coast Town Center
February 23, 20141.75 in2none recordedLake Disston
April 6, 20191.75 in1none recordedCodys Corner
April 18, 20211.5 in4none recordedBulow

Where large hail was reported

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

Reported hail locations, Flagler 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 in hail1 in hail1.25 in hail1.25 in hail1.5 in hail1.5 in hail1.5 in hail1.75 in hail1.75 in hail1.75 in hail2 in hail Palm Coast
  • 231 to 1.74 in
  • 41.75 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.

27 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 Flagler County

Fastest gusts in Flagler County

DateGustNear
April 2, 202271 mphHammock
April 20, 201561 mphMarineland
April 15, 201860 mphAndalusia
October 14, 201458 mphPalm Coast

Strongest tornado tracks in Flagler County

DateScaleLengthInjured / killedNear
October 12, 2023EF21 mi0 / 0Indian Trails
December 14, 2019EF119.4 mi0 / 0St Johns Park
October 12, 2023EF012.07 mi0 / 0Espanola
April 25, 2021EF00.25 mi0 / 0Bulow

6 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 Flagler County’s 2014 to 2025 pace of 1.33 such days a year. Most roofs have been replaced since; the row shows what a roof that never was would have taken.

Flagler 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: 0.3% of homes0.3%<19401211940s: 0.1% of homes0.1%1940s1081950s: 1.0% of homes1%1950s951960s: 0.9% of homes0.9%1960s811970s: 6.9% of homes6.9%1970s681980s: 16.5% of homes16.5%1980s551990s: 19.4% of homes19.4%1990s412000s: 39.2% of homes39.2%2000s282010s: 12.9% of homes12.9%2010s152020+: 2.9% of homes2.9%2020+4

Bars: share of 58,520 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 built2001
Built before 19809.1%
Built before 200045.0%
Built since 201015.8%
Owner-occupied81.5%
Median home value$333,400
Single-family permits, 2014 to 202518,620
Permits per 1,000 homes318.2

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 Flagler County

Roofing firms in Flagler County

Roofing contractor establishments, 202318
Change since 2016+10 (+125%)
Homes per roofing firm3,251
Median across counties5,189
Employees, 2023174

Source for Flagler 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 Flagler County's.

CountyMilesOverallHail lossHail, times hereWind lossWind, times hereNOAA hail reports
Volusia County, FL32 Relatively High $0.371.25$4.850.4848
Marion County, FL49 Relatively High $0.511.72$6.870.6819
Alachua County, FL64 Relatively Moderate $0.461.55$7.730.7727
Brevard County, FL88 Relatively High $0.311.06$3.680.3760
Polk County, FL103 Relatively High $2.016.76$19419.2833
Pinellas County, FL138 Relatively High $1445.82$2.820.287

More Florida counties, nearest first

All 194 counties, with a filter by state and sorting

Cities and ZIP areas in Flagler 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. 4 such areas have more than half their land here.

CityZIP areas (share of land in the county)Pages
Palm Coast 32164 (100%), 32137 (100%) Roofers

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Questions

How high is storm risk in Flagler County?

FEMA's National Risk Index gives Flagler County an overall score of 82.76 (Relatively Moderate), 543rd of 3,144. Hail scores 6.84 (Very Low), strong wind 41.38 (Relatively Low) and tornado 80.95 (Relatively Moderate).

In Flagler 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 49 for Flagler 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 Flagler County each year, on average?

Applying FEMA's county rates to its median home value of $333,400: FEMA's estimate is about $0.10 a year for hail and $3.35 for wind, before any deductible, against $7.45 and $6.79 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 Flagler County compare with the rest of Florida?

Per $1 million of buildings Flagler County loses $0.30 to hail a year, against $0.46 in the median county of the state. Among 67 rated counties it is 52nd for hail, 42nd for strong wind and 33rd for tornado.

How old are the roofs in Flagler County?

The median home was built in 2001, 25 years ago, and 45.0% of the 58,520 housing units in Flagler County date from before 2000. Asphalt shingles are rated 15 to 20 years (3-tab) or 25 to 30 years (architectural), so an original 3-tab roof is past its rated life and an architectural one is inside it. 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 Flagler County: FEMA National Risk Index, version December 2025, retrieved October 8, 2026; NOAA Storm Events Database hail reports for Flagler County; Census Bureau ZCTA-to-county relationship file (2020); Census ACS and Building Permits Survey, homes in Flagler County; Census County Business Patterns, roofing firms in Flagler County. Planning-level information about Flagler 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).