Franklin County Disaster Risk
Franklin County, Florida
FEMA Risk Rating
Relatively Low
National Percentile
47th
of 3,144 counties
State Rank
#57
of 67 (1 = highest risk)
Flood Risk
77th
percentile
Hazard Risk Breakdown
Flood
River, coastal, and surface flooding risk
Relatively Low
Higher than 77% of US counties
Wildfire
Wildland and wildland-urban interface fire risk
Relatively Low
Higher than 78% of US counties
Tornado
Tornado and severe thunderstorm risk
Very Low
Higher than 32% of US counties
Earthquake
Seismic activity and ground shaking risk
Very Low
Higher than 21% of US counties
Hurricane
Tropical cyclone and hurricane risk
Moderate
Higher than 90% of US counties
Risk Overview
About Natural Disaster Risk in Franklin County, Florida
Franklin County enjoys relatively low risk
Franklin County's composite risk score of 46.53 places it well below the national average, earning a relatively low risk rating. Despite coastal exposure, the county's risk profile remains manageable compared to most U.S. counties.
Among Florida's safest counties
Franklin County's score of 46.53 sits significantly below Florida's state average of 75.74, making it one of the safer counties in the state. This favorable standing reflects lower tornado and earthquake exposure than most peers.
Lower risk than Gulf Coast neighbors
Franklin County's 46.53 score beats Gulf County (59.54) and Wakulla County, positioning it as a relative refuge on Florida's northwestern coast. However, hurricane risk of 90.49 remains substantial and demands respect.
Hurricanes and flood dominate exposure
Hurricane risk of 90.49 is Franklin's primary concern, paired with flood risk of 77.40 that reflects the county's coastal and low-lying geography. Wildfire risk of 77.64 rounds out a trio of moderate-to-high hazards.
Secure hurricane and flood insurance
Despite lower overall risk, Franklin residents should maintain windstorm/hurricane coverage given the 90.49 risk score. Flood insurance is essential, particularly for properties in coastal zones or near water bodies vulnerable to storm surge.
Source: FEMA National Risk Index · Narrative reviewed by Evan Brooks, Data Editor
Preparedness Guide
What to Prepare for in Franklin County
Top Hazards by Exposure
Source: FEMA National Risk Index v1.19.0 · Percentiles are national (3,144 counties)
Risk Advisory: Franklin County
Risk Verdict
Franklin County's FEMA risk score places it at the 47th percentile nationally, indicating lower-than-typical exposure for a U.S. county. At the 47th percentile, Franklin County's risk profile is among the more manageable in the country — the hazard-specific breakdown above shows where any remaining preparedness focus is best directed.
Hazard Breakdown
Hurricane risk is Franklin County's dominant natural hazard, ranked at the 90th percentile nationally under FEMA's National Risk Index. Wildfire ranks second at the 78th percentile nationally. Additional tracked hazards include flood (77th percentile), tornado (32th percentile), earthquake (21th percentile).
Preparedness Context
With hurricane ranked at the 90th percentile nationally, Franklin County sits in a zone where multi-day supply readiness matters: grid outages after landfalling storms can last one to three weeks in heavily affected areas. Franklin County's wildfire exposure at the 78th percentile nationally adds a hazard layer that can persist or intensify after hurricane-force winds have passed, particularly in low-lying inland areas. Insurance gaps are the most common post-hurricane financial shock: standard homeowners policies typically exclude flood damage and may have a separate wind deductible. Franklin County households benefit from a pre-season insurance review confirming both wind and flood coverage.
Regional Context
At 29.2 points below the Florida state average, Franklin County is among the lower-risk counties in the state for natural disaster exposure.
Is your household prepared for Franklin County's hazards?
Review FEMA's county-specific preparedness checklists and emergency planning guides.
Frequently Asked Questions
What is the natural disaster risk in Franklin County, FL?
What types of natural hazards affect Franklin County?
How does Franklin County risk compare to the Florida average?
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Is Franklin County a safe place to live?
Data Source
Risk data sourced from the FEMA National Risk Index (NRI). Risk scores are relative rankings (0–100) across all US counties — not absolute risk measures. Higher scores indicate higher relative risk compared to other counties.
Disclaimer: This data is informational only. It is not financial, insurance, or legal advice. Always consult a qualified professional before making insurance or real estate decisions.