States › Florida › Monroe County
Monroe County, Florida
Recorded hazard history: storm events since 1950, federal disaster declarations since 1953, flood insurance claims since 1978, and FEMA's risk index.
NCEI notes that Storm Data is compiled from a variety of sources including the National Weather Service, other federal, state and local agencies, the media and the public; that property and crop damage figures are estimates; and that some events are recorded by NWS forecast zone rather than by county. FEMA notes that NFIP claim records are redacted and aggregated to protect the privacy of policyholders. NCEI storm records through 30 Jun 2026; OpenFEMA declarations refreshed 1 Oct 2026; NFIP claims as of 8 Sep 2026.
Between 1950 and 2026, NCEI recorded 304 storm events in Monroe County, Florida, led by damaging wind.
That is 30.9 events per 100 square miles, below the Florida figure of 73.8, and 37.0 per 10,000 residents against 18.2 statewide.
5 events fall in the 12 months to 30 Jun 2026. NCEI attributes 1 death and 76 injuries to events in the county, with property damage estimated at $55M.
FEMA has designated the county in 47 federal disaster declarations since 1953; the most recent is Hurricane Milton (major disaster, 11 Oct 2024).
National Flood Insurance Program policyholders in the county filed 27,430 claims since 1978, of which 18,723 were paid, totalling $714M (about $38K per paid claim). FEMA counts 22,181 residential flood policies in force.
FEMA's National Risk Index rates the county's overall risk as "Relatively Moderate" and its expected annual loss as "Relatively Moderate" ($93M a year across 18 hazards).
102 tropical storm or hurricane tracks in the HURDAT2 record passed within 100 miles of the county's centre at tropical-storm strength or more, 27 of them within 50 miles at hurricane strength.
Compared with Florida and the United States
| Measure | Monroe County | Florida | US |
|---|---|---|---|
| Recorded events since 1950 | 304 | 39,578 | 1,977,440 |
| Events per 100 square miles | 30.9 | 73.8 | 56.0 |
| Events per 10,000 residents | 37.0 | 18.2 | 59.6 |
| Events in the last 12 months | 5 | 1,307 | 62,008 |
| Deaths recorded by NCEI | 1 | 890 | 26,435 |
| Property damage (NCEI estimates) | $55M | $80B | $575B |
| NFIP claims per 1,000 residents | 333.8 | 20.6 | 8.1 |
| Average paid NFIP claim | $38K | $62K | $43K |
| Claims per 100 policies in force, last 10 years | 40.3 | 18.3 | 16.1 |
County-recorded events plus zone-recorded events whose forecast zone is named for the county. State and US rows include events recorded only by forecast zone. Rates use 2021 Census population and land area.
Events by decade
Trend: 106 events in the 20 years to 2025 against 153 in the 20 years before. Reporting practice changed in 1996 and again with automated reports in the 2000s, so decade totals measure the record as much as the weather.
Events by type
Hazard pages exist for hail, tornado, flood, wind and winter where the county has at least 10 recorded events. "Other" covers heavy rain, debris flow, dust, funnel clouds and similar reports.
Largest recorded events
| Date | Event type | Group | Magnitude | Property damage | Crop damage | Deaths | Injuries | Geography |
|---|---|---|---|---|---|---|---|---|
| 4 Jul 1998 | Thunderstorm Wind | Wind | 75 mph | — | — | 1 | — | County |
| 18 Jun 1972 | Tornado | Tornado | F2 | $250K | — | — | 40 | County |
| 4 Nov 1998 | Tornado | Tornado | F2 | $25M | — | — | 20 | County |
| 27 Apr 1980 | Tornado | Tornado | F2 | $250K | — | — | 10 | County |
| 2 Feb 1998 | Tornado | Tornado | F1 | $20M | — | — | — | County |
| 2 Jun 1966 | Tornado | Tornado | F2 | $25K | — | — | 1 | County |
| 12 Jul 1997 | Lightning | Lightning | — | — | — | — | 1 | County |
| 26 Jul 2000 | Lightning | Lightning | — | — | — | — | 1 | County |
| 14 Aug 2001 | Lightning | Lightning | — | — | — | — | 1 | County |
| 25 Jul 2009 | Lightning | Lightning | — | — | — | — | 1 | County |
| 26 Jun 2013 | Lightning | Lightning | — | — | — | — | 1 | County |
| 26 Aug 2005 | Tornado | Tornado | F2 | $5.0M | — | — | — | County |
| 20 Jun 1983 | Tornado | Tornado | F1 | $2.5M | — | — | — | County |
| 18 Jun 1972 | Tornado | Tornado | F2 | $250K | — | — | — | County |
| 3 Jun 1982 | Tornado | Tornado | F1 | $250K | — | — | — | County |
| 21 Jun 1986 | Tornado | Tornado | F1 | $250K | — | — | — | County |
| 11 Oct 1987 | Tornado | Tornado | F1 | $250K | — | — | — | County |
| 22 May 1997 | Tornado | Tornado | F1 | $150K | — | — | — | County |
| 10 Sep 2008 | Tornado | Tornado | EF1 | $120K | — | — | — | County |
| 4 Nov 1998 | Tornado | Tornado | F1 | $100K | — | — | — | County |
Ranked by deaths, then injuries, then NCEI's damage estimate. Deaths and injuries are NCEI counts (direct plus indirect); no personal details are recorded here.
Federal disaster declarations
| Declared | Number | Type | Incident | Title | Programs |
|---|---|---|---|---|---|
| 11 Oct 2024 | DR-4834 | Major disaster | Hurricane | Hurricane Milton | Public assistance |
| 7 Oct 2024 | EM-3622 | Emergency | Hurricane | Hurricane Milton | Public assistance |
| 28 Sep 2024 | DR-4828 | Major disaster | Hurricane | Hurricane Helene | Public assistance |
| 24 Sep 2024 | EM-3615 | Emergency | Tropical Storm | Tropical Storm Helene | Public assistance |
| 10 Aug 2024 | DR-4806 | Major disaster | Tropical Storm | Hurricane Debby | Public assistance |
| 3 Aug 2024 | EM-3605 | Emergency | Tropical Storm | Tropical Storm Debby | Public assistance |
| 29 Sep 2022 | DR-4673 | Major disaster | Hurricane | Hurricane Ian | Individual assistance, Public assistance |
| 24 Sep 2022 | EM-3584 | Emergency | Hurricane | Tropical Storm Ian | Public assistance |
| 4 Jul 2021 | EM-3561 | Emergency | Severe Storm | Tropical Storm Elsa | Public assistance |
| 1 Aug 2020 | EM-3533 | Emergency | Hurricane | Hurricane Isaias | Public assistance |
| 25 Mar 2020 | DR-4486 | Major disaster | Biological | Covid-19 Pandemic | Individual assistance, Public assistance |
| 13 Mar 2020 | EM-3432 | Emergency | Biological | Covid-19 | Public assistance |
| 30 Aug 2019 | EM-3419 | Emergency | Hurricane | Hurricane Dorian | Public assistance |
| 10 Sep 2017 | DR-4337 | Major disaster | Hurricane | Hurricane Irma | Individual assistance, Public assistance |
| 5 Sep 2017 | EM-3385 | Emergency | Hurricane | Hurricane Irma | Public assistance |
| 6 Oct 2016 | EM-3377 | Emergency | Hurricane | Hurricane Matthew | Public assistance |
| 18 Oct 2012 | DR-4084 | Major disaster | Hurricane | Hurricane Isaac | Public assistance |
| 7 Sep 2008 | EM-3293 | Emergency | Hurricane | Hurricane Ike | Public assistance |
| 24 Aug 2008 | DR-1785 | Major disaster | Severe Storm | Tropical Storm Fay | Public assistance |
| 21 Aug 2008 | EM-3288 | Emergency | Severe Storm | Tropical Storm Fay | Public assistance |
| 24 Oct 2005 | DR-1609 | Major disaster | Hurricane | Hurricane Wilma | Individual assistance, Public assistance |
| 20 Sep 2005 | EM-3259 | Emergency | Hurricane | Tropical Storm Rita | Public assistance |
| 5 Sep 2005 | EM-3220 | Emergency | Hurricane | Hurricane Katrina Evacuation | Public assistance |
| 28 Aug 2005 | DR-1602 | Major disaster | Hurricane | Hurricane Katrina | Public assistance |
| 10 Jul 2005 | DR-1595 | Major disaster | Hurricane | Hurricane Dennis | Public assistance |
| 16 Sep 2004 | DR-1551 | Major disaster | Hurricane | Hurricane Ivan | Public assistance |
| 4 Sep 2004 | DR-1545 | Major disaster | Hurricane | Hurricane Frances | Public assistance |
| 13 Aug 2004 | DR-1539 | Major disaster | Hurricane | Tropical Storm Bonnie And Hurricane Charley | Individual assistance, Public assistance |
| 25 Apr 2001 | FM-2359 | Fire management assistance | Fire | Fl - Everglades Fire Complex - 04/25/01 | Public assistance |
| 5 Feb 2001 | DR-1359 | Major disaster | Freezing | Severe Freeze | Individual assistance |
| 4 Oct 2000 | DR-1345 | Major disaster | Severe Storm | Severe Storms And Flooding | Individual assistance |
| 20 Oct 1999 | DR-1306 | Major disaster | Hurricane | Fl-Hurricane Irene-Dr-Req | Individual assistance, Public assistance |
| 15 Oct 1999 | EM-3150 | Emergency | Hurricane | Tropical Storm Irene - Florida | Public assistance |
| 27 Apr 1999 | EM-3139 | Emergency | Fire | Fl-Fires 04/15/99 | Public assistance |
| 18 Apr 1999 | FM-2256 | Fire management assistance | Fire | Fl-Fires 04/13/99 | Public assistance |
| 6 Nov 1998 | DR-1259 | Major disaster | Severe Storm | Tropical Storm Mitch | Individual assistance, Public assistance |
| 28 Sep 1998 | DR-1249 | Major disaster | Hurricane | Hurricane Georges | Individual assistance, Public assistance |
| 25 Sep 1998 | EM-3131 | Emergency | Hurricane | Hurricane Grorges | Public assistance |
| 18 Jun 1998 | DR-1223 | Major disaster | Fire | Extreme Fire Hazard | Public assistance |
| 12 Feb 1998 | DR-1204 | Major disaster | Severe Storm | Severe Storms, High Winds, Tornadoes, And Flooding | Individual assistance, Public assistance |
| 13 Mar 1993 | DR-982 | Major disaster | Tornado | Tornadoes, Flooding, High Winds & Tides, Freezing | Individual assistance, Public assistance |
| 24 Aug 1992 | DR-955 | Major disaster | Hurricane | Hurricane Andrew | Individual assistance, Public assistance |
| 15 Jan 1990 | DR-851 | Major disaster | Freezing | Severe Freeze | Individual assistance |
| 6 May 1980 | EM-3079 | Emergency | Human Cause | Undocumented Aliens | Public assistance |
| 31 Jan 1977 | DR-526 | Major disaster | Freezing | Severe Winter Weather | Individual assistance |
| 23 Jun 1972 | DR-337 | Major disaster | Coastal Storm | Tropical Storm Agnes | Individual assistance, Public assistance |
| 14 Sep 1965 | DR-209 | Major disaster | Hurricane | Hurricane Betsy | Individual assistance, Public assistance |
Declarations in which FEMA designated this county, from the OpenFEMA Disaster Declarations Summaries (v2). DR: major disaster; EM: emergency; FM: fire management assistance. Programs show whether individual or public assistance was made available.
Flood insurance claims
| Year of loss | Claims | Paid claims | Amount paid | Average paid |
|---|---|---|---|---|
| 2026 | 8 | 0 | $0 | — |
| 2025 | 15 | 8 | $439,912 | $54,989 |
| 2024 | 22 | 11 | $210,307 | $19,119 |
| 2023 | 30 | 22 | $706,709 | $32,123 |
| 2022 | 570 | 473 | $28,598,238 | $60,461 |
| 2021 | 3 | 1 | $22,574 | $22,574 |
| 2020 | 77 | 50 | $1,193,608 | $23,872 |
| 2019 | 7 | 1 | $4,025 | $4,025 |
| 2018 | 8 | 1 | $30,000 | $30,000 |
| 2017 | 8,190 | 5,601 | $293,431,514 | $52,389 |
| 2016 | 3 | 1 | $8,950 | $8,950 |
| 2015 | 8 | 3 | $48,735 | $16,245 |
| 2014 | 13 | 6 | $224,459 | $37,410 |
| 2013 | 14 | 5 | $239,402 | $47,880 |
| 2012 | 18 | 6 | $55,825 | $9,304 |
| 2011 | 41 | 14 | $325,980 | $23,284 |
| 2010 | 17 | 10 | $121,886 | $12,189 |
| 2009 | 7 | 3 | $74,009 | $24,670 |
| 2008 | 44 | 23 | $395,397 | $17,191 |
| 2007 | 7 | 3 | $24,197 | $8,066 |
| 2006 | 22 | 6 | $153,653 | $25,609 |
| 2005 | 9,186 | 8,069 | $336,966,215 | $41,761 |
| 2004 | 25 | 9 | $66,398 | $7,378 |
| 2003 | 5 | 1 | $5,607 | $5,607 |
| 2002 | 5 | 1 | $1,740 | $1,740 |
OpenFEMA NFIP claims (v3, as of 8 Sep 2026), aggregated by year of loss; amounts are building, contents and increased-cost-of-compliance payments as recorded. Repetitive-loss counts from the NFIP Multiple Loss Properties file (2 Aug 2026); policies in force from the NFIP Residential Penetration Rates file (3 Aug 2026).
National Risk Index
| Hazard (NRI) | Risk rating | Expected annual loss |
|---|---|---|
| Hurricane | $65,121,843 | |
| Coastal flooding | $21,040,074 | |
| Inland flooding | $4,746,532 | |
| Lightning | $905,745 | |
| Heat wave | $667,927 | |
| Tornado | $337,670 | |
| Strong wind | $284,468 | |
| Wildfire | $85,164 | |
| Hail | $51,533 | |
| Cold wave | $6,229 | |
| Earthquake | $5,417 | |
| Landslide | $81 |
FEMA National Risk Index, December 2025 release. Ratings are FEMA's relative comparison of counties; expected annual loss is FEMA's modelled estimate of average yearly building, population and agriculture loss. See how to read the NRI.
Hurricane and tropical storm passes
| Storm | Year | Closest approach | Max wind while within 100 mi |
|---|---|---|---|
| Alex | 2022 | 74 mi | 40 mph |
| Sally | 2020 | 15 mi | 40 mph |
| Eta | 2020 | 47 mi | 63 mph |
| Gordon | 2018 | 28 mi | 58 mph |
| Irma | 2017 | 42 mi | 132 mph |
| Bonnie | 2010 | 53 mi | 40 mph |
| Fay | 2008 | 42 mi | 69 mph |
| Ernesto | 2006 | 24 mi | 46 mph |
| Katrina | 2005 | 22 mi | 86 mph |
| Wilma | 2005 | 42 mi | 121 mph |
| Charley | 2004 | 93 mi | 144 mph |
| Harvey | 1999 | 37 mi | 58 mph |
| Irene | 1999 | 20 mi | 81 mph |
| Georges | 1998 | 89 mi | 104 mph |
| Mitch | 1998 | 69 mi | 63 mph |
| Jerry | 1995 | 100 mi | 40 mph |
| Gordon | 1994 | 80 mi | 52 mph |
| Andrew | 1992 | 11 mi | 167 mph |
| Fabian | 1991 | 81 mi | 46 mph |
| Marco | 1990 | 96 mi | 52 mph |
| Floyd | 1987 | 47 mi | 75 mph |
| Bob | 1985 | 56 mi | 46 mph |
| Isidore | 1984 | 94 mi | 58 mph |
| Dennis | 1981 | 18 mi | 40 mph |
| Dottie | 1976 | 59 mi | 40 mph |
HURDAT2 best-track positions at tropical-storm strength (34 kt) or more, measured from the county's Census centre point; through the 2025 season. Distance from a track is not the same as the extent of the storm's wind, rain or surge.
ZIP codes with flood claims
- 33040 8,242
- 33050 5,286
- 33042 5,022
- 33043 2,678
- 33037 2,565
- 33036 1,509
- 33051 927
- 33070 836
- 33001 274
- 33044 64
- 33041 9
- 33052 8
ZIP codes whose NFIP claims carry this county's code, with the number of claims. Five or more claims are needed for a ZIP page to be indexed.
Questions and answers
How often does it hail in Monroe County, FL?
NCEI records 12 hail events in Monroe County since 1950, in 7 different years; that is about 0.2 recorded events a year. 3 reports were golf-ball size (1.75 in) or larger.
Has Monroe County had a tornado?
Yes. NCEI records 78 tornadoes in Monroe County since 1950, 6 of them rated (E)F2 or stronger. Tornado deaths recorded: 0.
When was the last federal disaster declaration for Monroe County?
11 Oct 2024: Hurricane Milton, a major disaster declaration for hurricane. The county appears in 47 declarations since 1953.
How many flood insurance claims have been filed in Monroe County, and how much was paid?
27,430 NFIP claims since 1978, 18,723 of them paid, for $714M in total. FEMA publishes these figures redacted and aggregated; individual properties are not identified.
Is Monroe County in the National Risk Index's high-risk band?
FEMA's National Risk Index (December 2025) rates the county "Relatively Moderate" for overall risk, "Relatively Moderate" for expected annual loss, "Relatively Moderate" for social vulnerability and "Relatively Low" for community resilience. These ratings are FEMA's relative comparison across all US counties.
How does Monroe County compare with the rest of Florida?
30.9 recorded events per 100 square miles against 73.8 statewide, and 333.8 NFIP claims per 1,000 residents against 20.6. The comparison table on this page shows each measure beside the state and national figures.
Provenance
Storm events: NOAA NCEI Storm Events Database, yearly details files through 30 Jun 2026 (public domain). Declarations: OpenFEMA DisasterDeclarationsSummaries v2, refreshed 1 Oct 2026. Flood claims: OpenFEMA NfipClaims v3 as of 8 Sep 2026; NfipMultipleLossProperties v1 (2 Aug 2026); NfipResidentialPenetrationRates v1 (3 Aug 2026). Risk index: FEMA National Risk Index, December 2025. Hurricane tracks: NHC HURDAT2 through 2025. Population and area: US Census Bureau, 2021 vintage. Built 1 Oct 2026; see the methodology and corrections pages. Hazard hubs: Hail · Tornado · Flood · Wind · Winter.