riskbycounty
FEMA National Risk Index

Sumter County Disaster Risk

Sumter County, Florida

FEMA Risk Rating

Relatively Moderate

National Percentile

88th

of 3,144 counties

State Rank

#35

of 67 (1 = highest risk)

Flood Risk

85th

percentile

Hazard Risk Breakdown

Flood

River, coastal, and surface flooding risk

Moderate

Higher than 85% of US counties

Wildfire

Wildland and wildland-urban interface fire risk

Moderate

Higher than 92% of US counties

Tornado

Tornado and severe thunderstorm risk

Moderate

Higher than 92% of US counties

Earthquake

Seismic activity and ground shaking risk

Relatively Low

Higher than 45% of US counties

Hurricane

Tropical cyclone and hurricane risk

Relatively High

Higher than 96% of US counties

Risk Advisory: Sumter County

Risk Verdict

Sumter County has a relatively moderate overall disaster risk profile, scoring in the 88th percentile nationally. While not in the highest tier, this county faces meaningful hazard exposure. Residents are encouraged to understand their specific risks and maintain emergency supplies.

Hazard Breakdown

Hurricane risk is the dominant hazard for Sumter County, scoring in the 96th percentile nationally. It is followed by wildfire risk at the 92th percentile. Additional hazards include tornado (92th), flood (85th), earthquake (45th).

Preparedness Context

With hurricane risk as the top concern, Sumter County residents should know your evacuation route, stockpile supplies for at least 72 hours, and review your homeowners and flood insurance policies annually. Secondary risks such as wildfire also warrant attention in household and community preparedness planning. FEMA recommends all households maintain at least 72 hours of food, water, and medication supplies regardless of specific hazard exposure.

Regional Context

Sumter County is significantly riskier than the average county in Florida. Its composite risk score is 11.9 points higher than the state average, meaning residents face above-average exposure to natural hazards compared to their neighbors.

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Frequently Asked Questions

What is the natural disaster risk in Sumter County, FL?
Sumter County has a FEMA National Risk Index rating of Relatively Moderate, placing it in the 88th 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.
What types of natural hazards affect Sumter County?
Sumter County is evaluated for five major natural hazard types: hurricane (96th percentile), wildfire (92th percentile), tornado (92th percentile), flooding (85th percentile), earthquake (45th percentile). The highest-risk hazard is hurricane at the 96th 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.
How does Sumter County risk compare to the Florida average?
Sumter County's composite risk percentile is 88th, compared to the Florida state average of 76th percentile. The state's overall risk rating is Relatively Low. This means Sumter County faces higher natural disaster risk than the typical county in Florida.
Is Sumter County at risk for hurricane?
Yes, Sumter County's hurricane risk is at the 96th percentile nationally. This places it in the top quartile for this hazard type. For flooding specifically, Sumter County is at the 85th percentile.
How is natural disaster risk measured?
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.
Why is Sumter County higher risk than average?
Sumter County's composite risk score of 88th percentile is above the Florida state average of 76th percentile. This elevated risk is driven by hurricane exposure (96th percentile), along with wildfire and tornado and flooding risk. Geographic location, terrain, climate patterns, and proximity to flood zones or fault lines all influence a county's risk profile.

Counties with Similar Risk

St. Johns County

Florida

-0.1

Relatively Moderate

88th percentile

Hernando County

Florida

+0.4

Relatively Moderate

88th percentile

Walton County

Florida

+1.0

Relatively Moderate

89th percentile

By Logan Johnson, Founder & Data EditorUpdated Reviewed by Logan Johnson, Founder & Data Editor

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.

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