Home Local risks Florida

Florida

Hurricane season is half the calendar.

June 1 through November 30, every year. Florida has been hit by more hurricanes than any other state. Add year-round lightning, chronic flooding, and heat that kills quietly, and preparedness here is not seasonal. It is permanent.

Enter your Florida ZIP for live alerts, forecasts, and county-specific data.

Know your region

What you prepare for depends on where in Florida you live.

South Florida

Miami, Fort Lauderdale, West Palm Beach, the Keys. Storm surge, sea-level rise, king tide flooding, and the porous limestone bedrock that lets seawater push up through the ground. Hurricane Andrew (1992) destroyed Homestead. Hurricane Irma (2017) evacuated the Keys entirely.

Primary hazards: hurricanes, flooding, sea-level rise, heat, lightning

Southwest coast and Tampa Bay

Tampa, St. Petersburg, Fort Myers, Naples, Sarasota. Hurricane Ian (2022) pushed a 15-foot storm surge into Fort Myers Beach. Tampa Bay is the most hurricane-vulnerable metro in the country that has not been hit by a major storm since 1921. The next one is a matter of when, not if.

Primary hazards: hurricanes, storm surge, flooding, heat

Central Florida and the Panhandle

Orlando, Jacksonville, Tallahassee, Pensacola, Panama City. Central Florida is the lightning capital of the country. Hurricane Michael (2018) made landfall near Mexico Beach as a Category 5. The Panhandle takes direct hits from Gulf hurricanes. Jacksonville floods from both storm surge and the St. Johns River.

Primary hazards: hurricanes, lightning, flooding, tornadoes, heat

Your hazard profile

5 hazards that apply to Florida.

Each links to a full guide with during-event protocol, recovery steps, and resources specific to FL.

Florida resources

The agencies and programs that cover your state.

The question every season

At what category do you leave?

Every Florida household that lives in an evacuation zone has to answer this question before hurricane season starts. Not during the storm. Before. The answer depends on your zone, your structure, your household, and your honesty about risk.

Hurricane Ian taught Fort Myers Beach that storm surge does not care about property values. Hurricane Michael taught Mexico Beach that Category 5 is not just a number on a chart. Hurricane Irma taught the Keys that the entire island chain can be ordered to evacuate at once.

For every Florida household, the preparation is simple and non-negotiable: know your evacuation zone, have a plan for where you go and how you get there, stock 7 days of supplies, and make the decision to leave before the storm makes it for you. The people who wait for certainty are the people who get trapped.

Build your 72-hour plan