Okaloosa County Disaster Risk

Okaloosa County has a FEMA National Risk Index rating of Relatively Moderate, placing it in the 92th percentile nationally out of 3,144 counties. This composite score reflects the county's overall exposure to natural hazards including floods, wildfires, tornadoes, earthquakes, and hurricanes, weighted by expected annual loss and social vulnerability.

Okaloosa County is evaluated for five major natural hazard types: hurricane (98th percentile), tornado (94th percentile), flooding (80th percentile), wildfire (76th percentile), earthquake (62th percentile). The highest-risk hazard is hurricane at the 98th percentile nationally. These scores are derived from FEMA's National Risk Index, which analyzes expected annual loss, social vulnerability, and community resilience for each hazard type.

Okaloosa County's composite risk percentile is 92th, compared to the Florida state average of 76th percentile. The state's overall risk rating is Relatively Low. This means Okaloosa County faces higher natural disaster risk than the typical county in Florida.

Yes, Okaloosa County's hurricane risk is at the 98th percentile nationally. This places it in the top quartile for this hazard type. For flooding specifically, Okaloosa County is at the 80th percentile.

FEMA's National Risk Index (NRI) calculates risk scores for 18 natural hazard types across all U.S. counties and census tracts. The composite score combines Expected Annual Loss (estimated dollar losses from each hazard), Social Vulnerability (demographic factors affecting disaster impact), and Community Resilience (ability to recover). Percentile scores rank each county against all 3,144 U.S. counties, and risk ratings range from Very Low to Very High.

Okaloosa County's composite risk score of 92th percentile is above the Florida state average of 76th percentile. This elevated risk is driven by hurricane exposure (98th percentile), along with tornado and flooding and wildfire and earthquake risk. Geographic location, terrain, climate patterns, and proximity to flood zones or fault lines all influence a county's risk profile.