What's Your Hurricane Risk Score?
One number, 0 to 100, built from your county's hurricane history, your official FEMA flood zone, your ground elevation, and your home's age. Takes ten seconds.
Checking county records, FEMA flood maps, and storm history…
County records:
Good news: you can lower this score. It measures storm exposure — lower is better — and construction is the one factor you control. With the roof and openings brought up to modern Florida code, documented by a wind-mitigation inspection, this home's score would drop from to , moving it from to .
See what those upgrades save on your premium →An advisory score from county hurricane exposure, FEMA flood zone, and home age. Not an actuarial rating or a substitute for an inspection.
How this address compares
Typical homes modeled as a median-age house in a lower-risk flood zone — advisory, like the score itself.
Shaded areas are FEMA-mapped flood hazard zones, drawn at 50% opacity.
When the risk actually happens
Historical Atlantic named-storm activity by date (NOAA climatology). Half of all activity lands between mid-August and mid-October.
What Goes Into Your Score
Florida counties, each with its own exposure rating
Your County's Storm History
Every Florida county carries different hurricane exposure. We rate all 67, from inland North Florida to the Keys, using each county's landfall history and coastal geography.
Official FEMA flood map lookup, per address
Your FEMA Flood Zone
We look up your address in FEMA's National Flood Hazard Layer in real time. Storm surge and flooding drive much of Florida's hurricane damage, and homeowners policies cover neither.
Ground elevation, measured at your address
Your Ground Elevation
Low ground floods and surges first. We query the USGS national elevation dataset at your exact coordinates — homes under 10 feet carry the most water risk, and high ground earns the score back.
The Florida Building Code watershed year
Your Home's Age
Florida's building code changed dramatically in 2002. Homes built to modern code fare far better in storms, and insurers price accordingly. Skip the year and we pull it from county property records automatically.
Embed This Tool on Your Site
Realtors, lenders, roofers, and inspectors: add the risk score to your own website free. Tell us where to send it and the embed code lands in your inbox.
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Paste it onto any page of your site. Questions? We're happy to help.
Turn Your Score Into a Plan
Coverage guides and tools that address what drives your score.
High Score? Let's Talk.
A 15-minute review can tell you whether your current coverage matches your real exposure.
Get a Free Coverage Review