Storm risk in Marion County, Florida

FEMA's overall hazard score for Marion County is 94.72 (Relatively High), 167th of 3,144 counties. Hail scores 20.01 (Very Low), strong wind 93.29 (Relatively High) and tornado 97.26 (Relatively High). Expected hail loss is $0.51 per $1 million of buildings a year; NOAA logged 19 hail reports in Marion County from 2014 to June 2026.

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

Marion 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: $0.51 per $1 million, 2,882nd of 3,126 rated counties$0.51Hail2,882nd of 3,126 countiesStrong wind: $6.87 per $1 million, 2,459th of 3,121 rated counties$6.87Strong wind2,459th of 3,121 countiesTornado: $233 per $1 million, 1,358th of 3,144 rated counties$233Tornado1,358th of 3,144 counties
  • Marion 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 Marion County

HazardRatingScore (0 to 100)Rank in U.S.Rank in FL
OverallRelatively High 94.72167 of 3,14420 of 67
HailVery Low 20.012,516 of 3,12631 of 67
Strong windRelatively High 93.29212 of 3,1269 of 67
TornadoRelatively High 97.2687 of 3,12610 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$32,253$0.51 $0.46$22 2,882 of 3,12631 of 67
Strong wind$433,921$6.87 $8.40$20 2,459 of 3,12139 of 67
Tornado$14,707,356$233 $176$199 1,358 of 3,14419 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 Marion County

  • FEMA expects hail in Marion County to cost $0.51 per $1 million of buildings a year: 0.02 times the U.S. median and 1.11 times the FL county median, ranked 2,882nd of 3,126 counties nationally and 31st of 67 in Florida.
  • FEMA expects strong wind in Marion County to cost $6.87 per $1 million of buildings a year: 0.34 times the U.S. median and 0.82 times the FL county median, ranked 2,459th of 3,121 counties nationally and 39th of 67 in Florida.
  • FEMA expects tornado in Marion County to cost $233 per $1 million of buildings a year: 1.17 times the U.S. median and 1.32 times the FL county median, ranked 1,358th of 3,144 counties nationally and 19th of 67 in Florida.
  • NOAA has only 19 hail reports for Marion County in 12 years, too few for a trend; FEMA's 83 counted hail events cover a longer record.
  • Applying FEMA's estimate to a $220,800 home, the average yearly loss in Marion County is about $0.11 for hail and $1.52 for wind before any deductible; at the U.S. median county rates it would be $4.93 and $4.50.
  • If the next years look like 2014 to 2025, a roof kept 20 years in Marion County meets about 10.0 hail days of 1 inch or more; the median county in NOAA's file (1,275 counties) would give 35.0.
  • Built in 1992, the median home in Marion County is 34 years old, so an original roof has outlived a 3-tab shingle (15 to 20 years) and an architectural one (25 to 30 years); 65.0% of its 183,453 homes are at least 26 years old.
  • March to June holds 17 of the 19 hail reports in Marion County (89 percent); the quietest month is January, with 0 reports.

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

Enter a home value. The calculator applies Marion 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.

$0.11hail, a year; $4.93 at the U.S. median county rate
$1.52strong wind, a year; $4.50 at the U.S. median county rate
$33hail and wind together over 20 years, at today’s rate

Formula: home value × Marion County yearly loss ÷ building value. Hail: $32,253 ÷ $63,124,319,970 = 0.0000005. Wind: $433,921 ÷ $63,124,319,970 = 0.0000069. 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.

Marion County in plain numbers

  • Marion County scores 94.72 in FEMA's overall hazard index (Relatively High): 167th of 3,144 rated counties and 20th of 67 in Florida.
  • Hail scores 20.01 (Very Low). FEMA expects $32,253 of hail damage to buildings in Marion County a year, which is $0.51 per $1 million of buildings, 0.02 times the U.S. median.
  • Strong wind scores 93.29 (Relatively High) with $433,921 of expected yearly building loss in Marion County: $6.87 per $1 million of buildings, 0.34 times the U.S. median.
  • Tornado scores 97.26 (Relatively High) and FEMA's expected yearly tornado loss is $14,707,356, counting everything exposed, or $233 per $1 million of buildings in Marion County.
  • FEMA's own event record for Marion County averages 2.18 hail events and 1.16 strong-wind events a year.
  • NOAA logged 19 hail reports in Marion County between 2014 and June 2026, on 6 days with stones of 1 inch or more; the largest was 3 inches.
  • In Marion County, FEMA counts buildings worth 63.12 billion dollars and 375,566 residents.
  • Social vulnerability is Relatively High in Marion County.
  • Community resilience there is Very Low, for 375,566 residents.
  • 1 city in Marion County is covered on this site: Ocala. 29 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 Ocala is $6,300 to $13,950.
  • Marion County ranks 184 of the 194 counties with a page here for hail loss per $1 million of buildings, 135 for wind and 88 for tornado.
  • In Marion County, April is the busiest month with 9 of the 19 reports (47 percent), against 0 reports in October.
  • Marion County's worst year was 2023, with 1 hail day at 1 inch or more and 5 reports. At the 2014 to 2025 pace that is 0.50 such days a year, one about every 24.0 months.
  • The median home in Marion County was built in 1992; 24.8% of its 183,453 housing units date from before 1980, 65.0% from before 2000 and 10.4% from 2010 on.
  • Census puts the median home value in Marion County at $220,800, and 76.7% of homes are lived in by their owners.
  • 41,450 single-family building permits were issued in Marion County from 2014 to 2025, about 225.9 per 1,000 homes, peaking in 2024.
  • NOAA lists 7 tornado tracks in Marion County since 2014; the strongest was an EF1 on March 12, 2022 near Dunnellon, 26.65 miles long.
  • The fastest gust in NOAA's records for Marion County is 75 mph on April 3, 2024 at Martin.
  • The nearest county with a page here is Alachua County, 34 miles from the centre of Marion County; its hail score is 17.88.
  • Across counties the median is one roofing firm for every 5,189 homes; Census counted 39 roofing contractor establishments in Marion County in 2023, one for every 4,704 homes.

The hail record of Marion County, year by year

NOAA logged 19 reports in Marion County; hail of 1 inch or more fell on 6 days. With so few reports the yearly bars below are small numbers, and a single storm moves them.

Marion County: NOAA hail reports per year, 2014 to June 2026, with the number of days that had hail of 1 inch or more0123452014: 1 reports, 1 days at 1 inch or more, largest 1 inch142015: 2 reports, 1 days at 1 inch or more, largest 1 inch152016: 0 reports, 0 days at 1 inch or more, largest 0 inch162017: 1 reports, 0 days at 1 inch or more, largest 0.88 inch172018: 2 reports, 1 days at 1 inch or more, largest 1 inch182019: 3 reports, 1 days at 1 inch or more, largest 1 inch192020: 2 reports, 1 days at 1 inch or more, largest 1 inch202021: 0 reports, 0 days at 1 inch or more, largest 0 inch212022: 0 reports, 0 days at 1 inch or more, largest 0 inch222023: 5 reports, 1 days at 1 inch or more, largest 3 inch232024: 2 reports, 0 days at 1 inch or more, largest 0.88 inch242025: 1 reports, 0 days at 1 inch or more, largest 0.75 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
Marion County: NOAA hail reports by calendar month, 2014 to June 2026January: 0 reports0JanFebruary: 2 reports2FebMarch: 0 reports0MarApril: 9 reports9AprMay: 4 reports4MayJune: 4 reports4JunJuly: 0 reports0JulAugust: 0 reports0AugSeptember: 0 reports0SepOctober: 0 reports0OctNovember: 0 reports0NovDecember: 0 reports0Dec

Reports by calendar month, all years together. Peak: April, 9 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–
20152101 in–
20171000.88 in–
20182101 in–
20193101 in–
20202101 in–
20235113 in–
20242000.88 in–
20251000.75 in–

Biggest hail days in Marion County

DateLargest stoneReports that dayDamage reportedNear
April 26, 20233 in5none recordedAnthony
April 6, 20191 in3none recordedOcala Arpt
June 3, 20181 in2none recordedFlemington
May 14, 20141 in1none recordedYork
May 11, 20151 in1none recordedLuddersville

Where large hail was reported

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

Reported hail locations, Marion County

1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1.25 in hail1.75 in hail1.75 in hail3 in hail Ocala
  • 81 to 1.74 in
  • 21.75 to 2.74 in, golf ball to tennis ball
  • 12.75 in and up, baseball

Largest plotted stone: 3 in. Bigger dots are bigger stones.

11 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 Marion County

Fastest gusts in Marion County

DateGustNear
April 3, 202475 mphMartin
March 12, 202272 mphYork
June 21, 201564 mphBelleview
June 23, 201564 mphBelleview

Strongest tornado tracks in Marion County

DateScaleLengthInjured / killedNear
March 12, 2022EF126.65 mi0 / 0Dunnellon
April 20, 2020EF10.46 mi0 / 0Danks Corner
May 5, 2019EF10.93 mi0 / 0Martel
April 20, 2015EF11.94 mi0 / 0York

7 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 Marion County’s 2014 to 2025 pace of 0.50 such days a year. Most roofs have been replaced since; the row shows what a roof that never was would have taken.

Marion 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: 1.3% of homes1.3%<1940461940s: 1.1% of homes1.1%1940s401950s: 2.9% of homes2.9%1950s361960s: 5.7% of homes5.7%1960s301970s: 13.7% of homes13.7%1970s261980s: 21.6% of homes21.6%1980s201990s: 18.6% of homes18.6%1990s162000s: 24.6% of homes24.6%2000s102010s: 8.2% of homes8.2%2010s62020+: 2.3% of homes2.3%2020+2

Bars: share of 183,453 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 built1992
Built before 198024.8%
Built before 200065.0%
Built since 201010.4%
Owner-occupied76.7%
Median home value$220,800
Single-family permits, 2014 to 202541,450
Permits per 1,000 homes225.9

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 Marion County

Roofing firms in Marion County

Roofing contractor establishments, 202339
Change since 2016+12 (+44%)
Homes per roofing firm4,704
Median across counties5,189
Employees, 2023617

Source for Marion 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 Marion County's.

CountyMilesOverallHail lossHail, times hereWind lossWind, times hereNOAA hail reports
Alachua County, FL34 Relatively Moderate $0.460.90$7.731.1227
Flagler County, FL49 Relatively Moderate $0.300.58$101.4649
Volusia County, FL55 Relatively High $0.370.72$4.850.7148
Polk County, FL91 Relatively High $2.013.92$19428.1833
Pinellas County, FL101 Relatively High $1426.61$2.820.417
Brevard County, FL105 Relatively High $0.310.61$3.680.5460

More Florida counties, nearest first

All 194 counties, with a filter by state and sorting

Cities and ZIP areas in Marion 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. 29 such areas have more than half their land here.

CityZIP areas (share of land in the county)Pages
Ocala 34470 (100%), 34471 (100%), 34473 (100%), 34474 (100%), 34476 (100%) Roofers

Storm hit your roof in Marion County? A free inspection tells you if there is damage. One local roofer answers, not five.

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Questions

How high is storm risk in Marion County?

FEMA's National Risk Index gives Marion County an overall score of 94.72 (Relatively High), 167th of 3,144. Hail scores 20.01 (Very Low), strong wind 93.29 (Relatively High) and tornado 97.26 (Relatively High).

In Marion 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 19 for Marion County between 2014 and June 2026, on 6 days with hail of 1 inch or more; the largest stone was 3 inches.

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

Applying FEMA's county rates to its median home value of $220,800: FEMA's estimate is about $0.11 a year for hail and $1.52 for wind, before any deductible, against $4.93 and $4.50 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 Marion County compare with the rest of Florida?

Per $1 million of buildings Marion County loses $0.51 to hail a year, against $0.46 in the median county of the state. Among 67 rated counties it is 31st for hail, 9th for strong wind and 10th for tornado.

How old are the roofs in Marion County?

The median home was built in 1992, 34 years ago, and 65.0% of the 183,453 housing units in Marion 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 Marion County: FEMA National Risk Index, version December 2025, retrieved October 8, 2026; NOAA Storm Events Database hail reports for Marion County; Census Bureau ZCTA-to-county relationship file (2020); Census ACS and Building Permits Survey, homes in Marion County; Census County Business Patterns, roofing firms in Marion County. Planning-level information about Marion 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).