Summary
Plan status as of 2026-09-30: Approved, expires 2026-11-22. Plan: Okaloosa County (FEMA plan 107856), approved 2021-11-22.
Update: FEMA tracker shows a plan approvable pending adoption.
Since the plan was approved on 2021-11-22: 6 new hazard declarations (3 incidents) and 45 NOAA Storm Events records; details under "What changed since your last plan".
Highest expected annual loss (FEMA National Risk Index, modeled total; see B1-a): Hurricane ($87,186,102 a year), Inland Flooding ($21,979,070) and Tornado ($11,663,343).
The tables that follow are organized by the items of FEMA's Local Mitigation Plan Review Tool, Element B (B1-a to B2-c); each heading says which item its tables support.
Plan clock
- Status:
- Approved, expires 2026-11-22
- Plan:
- Okaloosa County (FEMA plan 107856)
- Approved:
- 2021-11-22
- Days to expiry:
- 53
- Update underway:
- FEMA tracker shows a plan approvable pending adoption
Not yet eligible: adopt the approved plan.
What changed since your last plan (approved 2021-11-22)
- New federal declarations:
- 6 new hazard declarations (3 incidents): EM-3584-FL (Tropical Storm Ian), DR-4673-FL (Hurricane Ian), EM-3605-FL (Tropical Storm Debby), DR-4806-FL (Hurricane Debby), EM-3615-FL (Tropical Storm Helene), DR-4828-FL (Hurricane Helene)
- Storm Events records since approval:
- 45 records (data through 2026-06-30)
- Repetitive loss now:
- FMA RL 109, SRL 136 (44 CFR 77.2); any definition: 964
- Repeat-flood change:
- this release sets the baseline count.
Sources: 1, 2, 4, 6 (numbered list at the end)
Plan status for every jurisdiction listed in this county
Source: 1
| Jurisdiction | Type | Status | Plan | Approved | Expires | Days to expirynegative = days since expiry | Update underway | Notes |
|---|---|---|---|---|---|---|---|---|
| Okaloosa County (unincorporated area) | Unincorporated | Approved, expires 2026-11-22 | Okaloosa County (FEMA plan 107856) | 2021-11-22 | 2026-11-22 | 53 | FEMA tracker shows a plan approvable pending adoption | Not yet eligible: adopt the approved plan. |
| Cinco Bayou town | Town | Approved, expires 2026-11-22 | Okaloosa County (FEMA plan 107856) | 2021-11-22 | 2026-11-22 | 53 | FEMA tracker shows a plan approvable pending adoption | Not yet eligible: adopt the approved plan. this jurisdiction approved 2022-05-23 |
| Crestview city | Town | Approved, expires 2026-11-22 | Okaloosa County (FEMA plan 107856) | 2021-11-22 | 2026-11-22 | 53 | FEMA tracker shows a plan approvable pending adoption | Not yet eligible: adopt the approved plan. this jurisdiction approved 2022-05-23 |
| Destin city | City | Approved, expires 2026-11-22 | Okaloosa County (FEMA plan 107856) | 2021-11-22 | 2026-11-22 | 53 | FEMA tracker shows a plan approvable pending adoption | Not yet eligible: adopt the approved plan. this jurisdiction approved 2022-01-13 |
| Fort Walton Beach city | City | Approved, expires 2026-11-22 | Okaloosa County (FEMA plan 107856) | 2021-11-22 | 2026-11-22 | 53 | FEMA tracker shows a plan approvable pending adoption | Not yet eligible: adopt the approved plan. this jurisdiction approved 2022-01-26 |
| Laurel Hill city | Town | Approved, expires 2026-11-22 | Okaloosa County (FEMA plan 107856) | 2021-11-22 | 2026-11-22 | 53 | FEMA tracker shows a plan approvable pending adoption | Not yet eligible: adopt the approved plan. this jurisdiction approved 2022-02-15 |
| Mary Esther city | Town | Approved, expires 2026-11-22 | Okaloosa County (FEMA plan 107856) | 2021-11-22 | 2026-11-22 | 53 | FEMA tracker shows a plan approvable pending adoption | Not yet eligible: adopt the approved plan. this jurisdiction approved 2022-05-23 |
| Niceville city | Town | Approved, expires 2026-11-22 | Okaloosa County (FEMA plan 107856) | 2021-11-22 | 2026-11-22 | 53 | FEMA tracker shows a plan approvable pending adoption | Not yet eligible: adopt the approved plan. this jurisdiction approved 2022-04-13 |
| Shalimar town | Town | Approved, expires 2026-11-22 | Okaloosa County (FEMA plan 107856) | 2021-11-22 | 2026-11-22 | 53 | FEMA tracker shows a plan approvable pending adoption | Not yet eligible: adopt the approved plan. this jurisdiction approved 2022-04-13 |
| Valparaiso city | Town | Approved, expires 2026-11-22 | Okaloosa County (FEMA plan 107856) | 2021-11-22 | 2026-11-22 | 53 | FEMA tracker shows a plan approvable pending adoption | Not yet eligible: adopt the approved plan. this jurisdiction approved 2022-05-23 |
| Blackman Fire District Corporation | Fire/EMS District | Approved, expires 2026-11-22 | Okaloosa County (FEMA plan 107856) | 2021-11-22 | 2026-11-22 | 53 | FEMA tracker shows a plan approvable pending adoption | Not yet eligible: adopt the approved plan. this jurisdiction approved 2024-08-02 |
State plan status and tribal plans in this state: see the state page.
Supports FEMA checklist item B1-a: hazard identification
Hazards NRI does not cover (local data needed)
- dam failure (incl. upstream dams)
- levee failure
- flash flood as its own subtype
- ice jams
- debris flows
- erosion (riverine and coastal)
- land subsidence and sinkholes
- expansive soils
The 18 National Risk Index hazards, ranked by expected annual loss (EAL)
Sources: 5, 6
| Rank by EAL | Hazard | NRI risk rating | EAL rating | EAL buildingsmodeled dollars per year | EAL agriculturemodeled dollars per year | Cost of expected deaths and injuriesFEMA's dollar value per year, not property damage | EAL total (see note)modeled dollars per year | Storm Events records, 1996 to 2026-06-30count | Storm Events coverage note |
|---|---|---|---|---|---|---|---|---|---|
| 1 | Hurricane | Very High | Very High | $80,706,353 | $110,580 | $6,369,169 | $87,186,102 | 4 | |
| 2 | Inland Flooding | Relatively Moderate | Relatively Moderate | $19,822,611 | $709 | $2,155,750 | $21,979,070 | 68 | |
| 3 | Tornado | Relatively High | Relatively High | $3,716,637 | $133 | $7,946,571 | $11,663,343 | 34 | |
| 4 | Lightning | Very High | Very High | $110,454 | n/a | $4,843,929 | $4,954,383 | 46 | |
| 5 | Heat Wave | Relatively Moderate | Relatively Moderate | $202 | $116 | $3,025,040 | $3,025,358 | 0 | No recorded events in Storm Events since 1996 (data through 2026-06-30). |
| 6 | Cold Wave | Relatively Moderate | Relatively Moderate | $4,988 | $6,471 | $2,638,158 | $2,649,617 | 0 | No recorded events in Storm Events since 1996 (data through 2026-06-30). |
| 7 | Strong Wind | Relatively Moderate | Relatively Moderate | $463,482 | $44 | $704,933 | $1,168,459 | 188 | Includes 1 High Wind record (a NOAA non-thunderstorm wind type, outside NRI's Strong Wind definition). |
| 8 | Coastal Flooding | Relatively Moderate | Relatively Moderate | $633,311 | n/a | $96,295 | $729,606 | 4 | |
| 9 | Earthquake | Relatively Low | Relatively Low | $385,680 | n/a | $183,380 | $569,060 | Storm Events does not record earthquakes. | |
| 10 | Wildfire | Relatively Low | Relatively Low | $264,135 | $38 | $42,678 | $306,851 | 0 | Declared 1 time; no Storm Events record of this type. |
| 11 | Hail | Very Low | Relatively Low | $25,662 | $20 | $97,528 | $123,209 | 52 | |
| 12 | Winter Weather | Relatively Low | Relatively Low | $21,059 | $13 | $42,485 | $63,558 | 3 | |
| 13 | Ice Storm | Relatively Low | Relatively Low | $44,121 | n/a | $5,327 | $49,448 | 0 | No recorded events in Storm Events since 1996 (data through 2026-06-30). |
| 14 | Drought | Very Low | Very Low | n/a | $5,455 | n/a | $5,455 | 0 | No recorded events in Storm Events since 1996 (data through 2026-06-30). |
| 15 | Landslide | Very Low | Very Low | $1,051 | n/a | $6 | $1,057 | 0 | No recorded events in Storm Events since 1996 (data through 2026-06-30). |
| Tsunami | Insufficient Data | Insufficient Data | n/a | n/a | n/a | n/a | 0 | No recorded events in Storm Events since 1996 (data through 2026-06-30). |
Total = buildings + agriculture + population equivalence; FEMA values each expected death (or 10 injuries) at $13.7 million (2024 dollars).
NRI risk rating combines expected annual loss with social vulnerability and community resilience; EAL rating rates expected annual loss alone. Both compare this county with all U.S. counties.
Local data needed: state and local wildfire, landslide and tsunami records (Storm Events records these hazards only in part).
Not applicable to this county per NRI, with no federal declaration and no Storm Events record since 1996: avalanche and volcanic activity. That is the evidence for leaving them out of the plan.
The state hazard mitigation plan also lists hazards for this county; FEMA asks the plan to explain any hazard it leaves out.
Supports FEMA checklist item B1-b: hazard location
Affects the whole county (national data give no location within it): Cold Wave, Drought, Hail, Heat Wave, Ice Storm, Lightning, Strong Wind and Winter Weather.
Coastal Flooding and Inland Flooding: The FEMA Flood Insurance Rate Map (FIRM) is the required location source for flooding. See the FEMA Flood Map Service Center (https://msc.fema.gov) for this county.
Hazards that vary within the county: highest-rated census tracts
Source: 5
| Hazard | Highest-rated census tractsNRI risk rating, score 0 to 100 |
|---|---|
| Earthquake | tract 218.02 (Relatively Low, 53.1); tract 208 (Relatively Low, 47.6); tract 218.01 (Relatively Low, 47.4) |
| Hurricane | tract 218.02 (Very High, 99.5); tract 229 (Very High, 99.4); tract 209 (Very High, 99.3) |
| Landslide | tract 208 (Relatively Low, 87.0); tract 201.02 (Relatively Low, 82.4); tract 206.01 (Relatively Low, 82.4) |
| Tornado | tract 205 (Very High, 97.5); tract 204 (Very High, 97.3); tract 207.02 (Very High, 95.4) |
| Tsunami | no tract has a National Risk Index rating for this hazard |
| Wildfire | tract 208 (Relatively Moderate, 91.9); tract 201.01 (Relatively Moderate, 90.8); tract 201.02 (Relatively Moderate, 90.7) |
Up to 3 census tracts per hazard, highest National Risk Index rating first, then highest score; a tract number is the Census tract number (for example 218.02 is Census Tract 218.02). FEMA's Resilience Analysis and Planning Tool maps the National Risk Index for every tract: https://www.fema.gov/emergency-managers/practitioners/resilience-analysis-and-planning-tool
Supports FEMA checklist item B1-c: hazard extent
Extent: scale, observed range and worst recorded event per hazard
Sources: 6, 7
| Hazard | Scale | Recordscount and years | Observed range | Worst recorded event | Most damaging (when different) | How it applies to jurisdictions | Note |
|---|---|---|---|---|---|---|---|
| Coastal Flood, Storm Surge/Tide | none in data (flood depth: FIRM) | 4 records, 1999 to 2020 (3 zone-level) | Coastal Flood, 1999-03-13, $2,000 property; crops not reported (1999 dollars) | Event records naming jurisdictions in the plan: Fort Walton Beach city (1 record). Zone-level records (3) apply countywide. | Flood depth: see the FEMA Flood Insurance Rate Map. | ||
| Cold/Wind Chill, Extreme Cold/Wind Chill | wind chill | 0 | |||||
| Frost/Freeze (outside NRI's Cold Wave definition) | crop damage | 0 | |||||
| Drought | U.S. Drought Monitor scale (D0 to D4) | 0 | Storm Events enters a drought at D2 or worse east of the Rockies and D3 or worse from the Rockies west (NWS Instruction 10-1605); NRI drought counts D3 and D4 only. | ||||
| Earthquake | Modified Mercalli (local data) | 0 | Storm Events does not record earthquakes; the USGS earthquake catalog is the source. | ||||
| Hail | hail size (inches) | 66 records, 1962 to 2025 | 0.75 in to 1.75 in (median 0.81 in); 66 with a recorded value | 1.75 in hail, 2000-08-29; same size also recorded on 1966-05-23, 1972-03-18, 1988-05-10, 1989-02-20, 1999-07-12, 2000-07-12 | Hail, 2007-06-12, $10,000 property; $0 crops (2007 dollars) | Event records naming jurisdictions in the plan: Crestview city (19 records), Niceville city (6 records), Fort Walton Beach city (5 records), Destin city (4 records), Laurel Hill city (2 records), Shalimar town (2 records), Valparaiso city (2 records), Mary Esther city (1 record). | |
| Excessive Heat, Heat | heat index (in event narratives) | 0 | |||||
| Hurricane, Tropical Storm, Tropical Depression | Saffir-Simpson | 4 records, 2017 to 2021 (4 zone-level) | Strongest recorded: Tropical Storm record, 2020-09-15 to 2020-09-16, $17,320,000 property; $30,000,000 crops (2020 dollars) (as recorded; larger than this county's annual agriculture value in the National Risk Index (the county or state extension service keeps crop loss records)); NWS zone FLZ206 | Countywide (zone-level records). | Storm Events files every zone of a storm's episode under the storm's type; flooding from the storm is filed as Flood or Flash Flood records. | ||
| Ice Storm | Sperry-Piltz ice scale (local data) | 0 | |||||
| Flash Flood, Flood, Lakeshore Flood | damage and flood days (flood depth: FIRM) | 68 records, 1997 to 2025 | Flash Flood, 2014-04-29, $1,460,000 property; $0 crops (2014 dollars) | Event records naming jurisdictions in the plan: Crestview city (9 records), Shalimar town (6 records), Fort Walton Beach city (2 records), Laurel Hill city (2 records), Destin city (1 record), Niceville city (1 record). | Flood depth: see the FEMA Flood Insurance Rate Map. Storm Events damage is often $0 or blank for floods, major ones included; FEMA Public Assistance by declaration (B1-d) shows which floods cost the most. | ||
| Debris Flow | none (count and damage only) | 0 | |||||
| Lightning | annualized frequency (the measure FEMA's Local Mitigation Planning Handbook names) | 46 records, 1996 to 2017 | Lightning, 2017-07-10, $0 property; $0 crops (2017 dollars), 1 direct death | Lightning, 2005-07-09, $360,000 property; crops not reported (2005 dollars) | Event records naming jurisdictions in the plan: Crestview city (14 records), Fort Walton Beach city (6 records), Destin city (5 records), Niceville city (4 records), Mary Esther city (3 records), Shalimar town (2 records), Valparaiso city (2 records), Cinco Bayou town (1 record), Laurel Hill city (1 record). | Storm Events lists lightning with damage or casualties. | |
| High Wind and Strong Wind (outside NRI's Strong Wind definition) | wind speed (kt and mph) | 1 record, 2024 (1 zone-level) | 52 kt (60 mph); 1 with a recorded value | 52 kt (60 mph) measured gust, High Wind, 2024-01-09; NWS zone FLZ206 | Countywide (zone-level records). | ||
| Thunderstorm Wind | wind speed (kt and mph) | 276 records, 1961 to 2026 | 50 kt (58 mph) to 94 kt (108 mph) (median 52 kt (60 mph)); 223 with a recorded value | 94 kt (108 mph), measurement type not recorded, Thunderstorm Wind, 1970-08-20 | Thunderstorm Wind, 1998-06-06, $4,000,000 property; crops not reported (1998 dollars) | Event records naming jurisdictions in the plan: Crestview city (32 records), Fort Walton Beach city (18 records), Niceville city (13 records), Destin city (12 records), Mary Esther city (12 records), Valparaiso city (8 records), Laurel Hill city (6 records), Shalimar town (5 records). | |
| Tornado | Enhanced Fujita (Fujita before Feb 2007) | 100 records, 1958 to 2025 | F/EF0 to F/EF3 (median F/EF0); 91 with a recorded value | F3 tornado, 1964-12-25, 12.8 mi path length (whole path, pre-1996), 67 yd wide, $2,500,000 property; crops not recorded (1964 dollars), 4 direct injuries | Tornado, 1989-05-01, $25,000,000 property; crops not recorded (1989 dollars) | Event records naming jurisdictions in the plan: Crestview city (5 records), Fort Walton Beach city (5 records), Shalimar town (5 records), Destin city (3 records), Mary Esther city (2 records), Valparaiso city (2 records), Laurel Hill city (1 record), Niceville city (1 record). | Before 1996 a tornado is listed once, under the county where it began, with its whole path's rating and length; from 1996 on, each county lists its own segment. Length is not used to rank tornadoes (see Methods). |
| Tsunami | none (count and damage only) | 0 | |||||
| Wildfire | acres burned (local data) | 0 | |||||
| Winter Storm, Heavy Snow, Blizzard, Lake-Effect Snow, Winter Weather, Sleet | none in data (snowfall: local data) | 3 records, 2017 to 2025 (3 zone-level) | No damage reported in 3 records. | Countywide (zone-level records). |
In event narratives only (local data needed): wind chill, temperature, heat index, ice thickness, acres burned and snow depth; any physical measure of debris flow, lightning and tsunami.
Storm Events records are more complete after 1996; before 1996 only Tornado (from 1950), Hail and Thunderstorm Wind (from 1955) exist. Zone-level records from zones that no NWS zone-county file places in this county (mostly before 2020) are not counted here (the Methods page explains the zone matching).
Dollars are nominal (as reported), labeled with the year; not adjusted for inflation.
Supports FEMA checklist item B1-d: previous occurrences
Federal declarations for this county: 41 declarations covering 30 separate hazard incidents counted in this packet (declarations for the same incident count once; non-natural and evacuation-only declarations are not counted).
Federal disaster declarations for this county
Sources: 1, 2, 3
| Declared | Incident began | FEMA number | Type | Title | Mapped hazard | County Public Assistancefederal share obligated, nominal dollars | Flags | Notes |
|---|---|---|---|---|---|---|---|---|
| 2024-09-28 | 2024-09-23 | DR-4828-FL | Major disaster | Hurricane Helene | Hurricane | no Public Assistance recorded | new since last plan; within last 5 years | |
| 2024-09-24 | 2024-09-23 | EM-3615-FL | Emergency | Tropical Storm Helene | Hurricane (primary); also designated: Inland Flooding, Strong Wind | no Public Assistance recorded | new since last plan; within last 5 years | same incident as DR-4828 |
| 2024-08-10 | 2024-08-01 | DR-4806-FL | Major disaster | Hurricane Debby | Hurricane | no Public Assistance recorded | new since last plan; within last 5 years | |
| 2024-08-03 | 2024-08-01 | EM-3605-FL | Emergency | Tropical Storm Debby | Hurricane (primary); also designated: Inland Flooding, Strong Wind, Tornado | no Public Assistance recorded | new since last plan; within last 5 years | same incident as DR-4806 |
| 2022-09-29 | 2022-09-23 | DR-4673-FL | Major disaster | Hurricane Ian | Hurricane | no Public Assistance recorded | new since last plan; within last 5 years | |
| 2022-09-24 | 2022-09-23 | EM-3584-FL | Emergency | Tropical Storm Ian | Hurricane | no Public Assistance recorded | new since last plan; within last 5 years | same incident as DR-4673 |
| 2021-08-16 | 2021-08-13 | EM-3562-FL | Emergency | Tropical Storm Fred | Hurricane | no Public Assistance recorded | in the 12 months before plan approval | |
| 2020-09-23 | 2020-09-14 | DR-4564-FL | Major disaster | Hurricane Sally | Hurricane | $11,851,798.33 | ||
| 2020-09-15 | 2020-09-14 | EM-3546-FL | Emergency | Hurricane Sally | Hurricane | no Public Assistance recorded | same incident as DR-4564 | |
| 2020-03-25 | 2020-01-20 | DR-4486-FL | Major disaster | COVID-19 Pandemic | Non-natural, not counted | $73,671.37 | ||
| 2020-03-13 | 2020-01-20 | EM-3432-FL | Emergency | COVID-19 | Non-natural, not counted | no Public Assistance recorded | same incident as DR-4486 | |
| 2019-08-30 | 2019-08-28 | EM-3419-FL | Emergency | Hurricane Dorian | Hurricane | no Public Assistance recorded | ||
| 2018-10-11 | 2018-10-07 | DR-4399-FL | Major disaster | Hurricane Michael | Hurricane | $983,709.60 | ||
| 2018-10-09 | 2018-10-07 | EM-3405-FL | Emergency | Hurricane Michael | Hurricane | no Public Assistance recorded | same incident as DR-4399 | |
| 2017-09-10 | 2017-09-04 | DR-4337-FL | Major disaster | Hurricane Irma | Hurricane | $23,244.50 | ||
| 2017-09-05 | 2017-09-04 | EM-3385-FL | Emergency | Hurricane Irma | Hurricane | no Public Assistance recorded | same incident as DR-4337 | |
| 2014-05-06 | 2014-04-28 | DR-4177-FL | Major disaster | Severe Storms, Tornadoes, Straight-Line Winds, and Flooding | Inland Flooding; Strong Wind; Tornado | $4,720,779.41 | ||
| 2012-10-18 | 2012-08-27 | DR-4084-FL | Major disaster | Hurricane Isaac | Hurricane | $387,083.92 | ||
| 2009-04-21 | 2009-03-26 | DR-1831-FL | Major disaster | Severe Storms, Flooding, Tornadoes, and Straight-Line Winds | Inland Flooding; Strong Wind; Tornado | $1,446,340.08 | ||
| 2008-10-27 | 2008-08-31 | DR-1806-FL | Major disaster | Hurricane Gustav | Hurricane | $67,491.37 | ||
| 2008-08-21 | 2008-08-18 | EM-3288-FL | Emergency | Tropical Storm Fay | Hurricane; Inland Flooding | no Public Assistance recorded | ||
| 2005-09-05 | 2005-08-29 | EM-3220-FL | Emergency | Hurricane Katrina Evacuation | Hurricane: evacuation support, not a local hazard event; not counted | no Public Assistance recorded | same incident as DR-1602 | |
| 2005-08-28 | 2005-08-24 | DR-1602-FL | Major disaster | Hurricane Katrina | Hurricane | $471,726.24 | ||
| 2005-07-10 | 2005-07-07 | DR-1595-FL | Major disaster | Hurricane Dennis | Hurricane | $6,646,472.44 | ||
| 2004-09-16 | 2004-09-13 | DR-1551-FL | Major disaster | Hurricane Ivan | Hurricane | $35,756,436.17 | ||
| 2004-09-04 | 2004-09-03 | DR-1545-FL | Major disaster | Hurricane Frances | Hurricane | no Public Assistance recorded | ||
| 2004-08-13 | 2004-08-11 | DR-1539-FL | Major disaster | Tropical Storm Bonnie and Hurricane Charley | Hurricane | no Public Assistance recorded | ||
| 2000-10-03 | 2000-09-21 | DR-1344-FL | Major disaster | Tropical Storm Helene | Hurricane; Inland Flooding | $13,100.49 | ||
| 1998-09-28 | 1998-09-25 | DR-1249-FL | Major disaster | Hurricane Georges | Hurricane | no Public Assistance recorded | ||
| 1998-09-25 | 1998-09-25 | EM-3131-FL | Emergency | Hurricane Grorges | Hurricane | no Public Assistance recorded | same incident as DR-1249 | |
| 1998-06-18 | 1998-05-25 | DR-1223-FL | Major disaster | Extreme Fire Hazard | Wildfire | no Public Assistance recorded | ||
| 1998-01-06 | 1997-12-25 | DR-1195-FL | Major disaster | Severe Storms, High Winds, Tornadoes, and Flooding | Inland Flooding; Strong Wind; Tornado | no Public Assistance recorded | ||
| 1995-10-04 | 1995-10-04 | DR-1069-FL | Major disaster | Hurricane Opal | Hurricane | no Public Assistance recorded | ||
| 1995-08-10 | 1995-08-02 | DR-1062-FL | Major disaster | Hurricane Erin | Hurricane | no Public Assistance recorded | ||
| 1994-07-10 | 1994-07-02 | DR-1035-FL | Major disaster | Severe Storms and Flooding (Tropical Storm Alberto) | Hurricane; Inland Flooding | no Public Assistance recorded | ||
| 1994-07-08 | 1994-07-02 | EM-3114-FL | Emergency | Tropical Storm Alberto | Inland Flooding (primary); also designated: Hurricane | no Public Assistance recorded | same incident as DR-1035 | |
| 1990-04-03 | 1990-03-16 | DR-862-FL | Major disaster | Severe Storms & Flooding | Inland Flooding | PA not declared for this county | ||
| 1979-09-13 | 1979-09-13 | DR-600-FL | Major disaster | Hurricane Frederic | Hurricane | no Public Assistance recorded | ||
| 1975-09-26 | 1975-09-26 | DR-484-FL | Major disaster | High Winds, Heavy Rains & Flooding | Inland Flooding (primary); also designated: Strong Wind | no Public Assistance recorded | ||
| 1975-08-22 | 1975-08-22 | DR-479-FL | Major disaster | Flooding | Inland Flooding | no Public Assistance recorded | ||
| 1970-07-03 | 1970-07-03 | DR-289-FL | Major disaster | Heavy Rains & Flooding | Inland Flooding | no Public Assistance recorded |
School districts and special districts in this county: $1,740 (included in the county total above). Public Assistance matched by applicant name to the school districts and special districts FEMA lists as plan participants in this county. They have no row of their own in the jurisdiction table, so their total is listed here. These dollars are already included in the county PA column of the declarations table (the FEMA record places each applicant in this county), so this line is not added to it.
County Public Assistance: applicants the FEMA record places in this county, including any state agencies FEMA files there; statewide rows are listed on the state page; federal share obligated, nominal dollars.
Statewide declarations
Source: 2
| Declared | Incident began | FEMA number | Type | Title | Mapped hazard |
|---|---|---|---|---|---|
| 1995-08-03 | 1995-08-02 | EM-3116-FL | Emergency | Hurricane Erin | Hurricane |
| 1964-09-10 | 1964-09-10 | DR-176-FL | Major disaster | Hurricane Dora | Hurricane (primary); also designated: Inland Flooding |
| 1964-09-08 | 1964-09-08 | DR-175-FL | Major disaster | Hurricane Cleo | Hurricane (primary); also designated: Inland Flooding |
| 1962-12-17 | 1962-12-17 | DR-141-FL | Major disaster | Abnormally High Tides | Inland Flooding |
| 1960-09-12 | 1960-09-12 | DR-106-FL | Major disaster | Hurricane Donna | Hurricane (primary); also designated: Inland Flooding |
| 1960-03-23 | 1960-03-23 | DR-97-FL | Major disaster | Severe Weather Conditions | Other, not an NRI hazard; not counted |
| 1953-10-22 | 1953-10-22 | DR-12-FL | Major disaster | Flood | Inland Flooding |
FEMA recorded these with designated area Statewide and no county, so they are listed on every county page in the state and not counted with county rows. Local data needed: whether each one affected this county.
17 Fire Management declarations (1985-05-17 to 1998-06-28) FEMA filed as Statewide with no county; each names one local fire. Listed on the state page.
Public Assistance filed under this county for declarations that do not list it: 1 row, $7,619.21
Sources: 2, 3
| FEMA number | Declared | Title | Applicant | PA obligatedfederal share obligated, nominal dollars |
|---|---|---|---|---|
| DR-4138-FL | 2013-08-02 | Severe Storms and Flooding | PAXTON, CITY OF | $7,619.21 |
FEMA's Public Assistance summaries file these applicants under this county, but FEMA's declaration rows for these disasters do not designate it (an electric cooperative or district serving several counties, for example). Not in any declaration row above and not counted.
Public Assistance not placed in any Florida county: 4 rows, $9,327,951.42; listed on the Florida state page.
Source: 3
Previous occurrences by hazard, with explicit no-event rows
Sources: 2, 6, 7
| Hazard | Storm Events records, all years on file(years in the Period column) | Since plan approvalrecords | In the 12 months before plan approvalrecords | Last 5 yearsrecords | Declared incidents, all yearsseparate disasters | Declared since approvalseparate disasters | Period | Statement |
|---|---|---|---|---|---|---|---|---|
| Coastal Flooding | 4 | 0 | 0 | 0 | 0 | 0 | 1996 to 2026-06-30 | |
| Cold Wave | 0 | 0 | 0 | 0 | 0 | 0 | 1996 to 2026-06-30 | No recorded events, 1996 to 2026-06-30, NOAA NCEI Storm Events |
| Drought | 0 | 0 | 0 | 0 | 0 | 0 | 1996 to 2026-06-30 | No recorded events, 1996 to 2026-06-30, NOAA NCEI Storm Events |
| Earthquake | 0 | 0 | 0 | 0 | 0 | 0 | Storm Events does not record earthquakes; the USGS earthquake catalog is the source. | |
| Hail | 66 | 2 | 2 | 2 | 0 | 0 | 1955 to 2026-06-30 | |
| Heat Wave | 0 | 0 | 0 | 0 | 0 | 0 | 1996 to 2026-06-30 | No recorded events, 1996 to 2026-06-30, NOAA NCEI Storm Events |
| Hurricane | 4 | 0 | 1 | 0 | 22 | 3 | 1996 to 2026-06-30 | |
| Ice Storm | 0 | 0 | 0 | 0 | 0 | 0 | 1996 to 2026-06-30 | No recorded events, 1996 to 2026-06-30, NOAA NCEI Storm Events |
| Inland Flooding | 68 | 8 | 10 | 11 | 12 | 2 | 1996 to 2026-06-30 | |
| Landslide | 0 | 0 | 0 | 0 | 0 | 0 | 1996 to 2026-06-30 | No recorded events, 1996 to 2026-06-30, NOAA NCEI Storm Events |
| Lightning | 46 | 0 | 0 | 0 | 0 | 0 | 1996 to 2026-06-30 | |
| Strong Wind | 277 | 29 | 10 | 29 | 6 | 2 | 1955 to 2026-06-30 | Includes 1 High Wind record. |
| Tornado | 100 | 5 | 0 | 5 | 4 | 1 | 1950 to 2026-06-30 | |
| Tsunami | 0 | 0 | 0 | 0 | 0 | 0 | 1996 to 2026-06-30 | No recorded events, 1996 to 2026-06-30, NOAA NCEI Storm Events |
| Wildfire | 0 | 0 | 0 | 0 | 1 | 0 | 1996 to 2026-06-30 | No Storm Events records of this type; 1 federal declared incident (see declarations table) |
| Winter Weather | 3 | 1 | 0 | 1 | 0 | 0 | 1996 to 2026-06-30 |
Notable Storm Events records
Sources: 1, 6, 7
| Date | Event type | Magnitude or extent | Damagenominal dollars | Deaths, injuriesdirect only | Location | Flags | Why listed |
|---|---|---|---|---|---|---|---|
| 2024-01-09 | High Wind | 52 kt (60 mph) measured gust | $0 property; $0 crops (zone total, 2024 dollars) | 0, 0 | NWS zone FLZ206 (OKALOOSA COASTAL), zone-level | new since last plan; within last 5 years | B1-c worst recorded: High Wind and Strong Wind |
| 2020-09-15 | Tropical Storm | $17,320,000 property; $30,000,000 crops (zone total, 2020 dollars) (as recorded; larger than this county's annual agriculture value in the National Risk Index (the county or state extension service keeps crop loss records)) | 0, 0 | NWS zone FLZ206 (OKALOOSA COASTAL), zone-level | B1-c worst recorded: Hurricane, Tropical Storm, Tropical Depression | ||
| 2017-07-10 | Lightning | $0 property; $0 crops (2017 dollars) | 1, 0 | BAKER | B1-c worst recorded: Lightning | ||
| 2014-04-29 | Flash Flood | $1,460,000 property; $0 crops (2014 dollars) | 0, 0 | FLOROSA to DESTIN FT WALTON ARP | B1-c worst recorded: Flash Flood, Flood, Lakeshore Flood | ||
| 2000-08-29 | Hail | 1.75 in | damage not reported | 0, 0 | NICEVILLE | B1-c worst recorded: Hail | |
| 1999-03-13 | Coastal Flood | $2,000 property; crops not reported (1999 dollars) | 0, 0 | FT WALTON BEACH | B1-c worst recorded: Coastal Flood, Storm Surge/Tide | ||
| 1996-04-18 | Lightning | damage not reported | 1, 10 | (HRT)MARY ESTHER | deaths or injuries recorded | ||
| 1989-05-01 | Tornado | F2, 2 mi path length (whole path, pre-1996), 100 yd wide | $25,000,000 property; crops not recorded (1989 dollars) | 0, 0 | location not recorded | B1-c most damaging: Tornado | |
| 1970-08-20 | Thunderstorm Wind | 94 kt (108 mph), measurement type not recorded | damage not recorded (pre-1996 record) | 0, 0 | location not recorded | B1-c worst recorded: Thunderstorm Wind | |
| 1967-12-10 | Tornado | F2, 6.8 mi path length (whole path, pre-1996), 1,000 yd wide | $2,500,000 property; crops not recorded (1967 dollars) | 1, 50 | location not recorded | deaths or injuries recorded | |
| 1964-12-25 | Tornado | F3, 12.8 mi path length (whole path, pre-1996), 67 yd wide | $2,500,000 property; crops not recorded (1964 dollars) | 0, 4 | location not recorded | B1-c worst recorded: Tornado | |
| 1962-01-05 | Tornado | F2, 2.5 mi path length (whole path, pre-1996), 100 yd wide | $2,500,000 property; crops not recorded (1962 dollars) | 1, 30 | location not recorded | deaths or injuries recorded |
The full list is in the Excel file, sheet "B1-d Storm Events history" (568 rows).
Location is the place NOAA recorded, as written in its data; it need not be a jurisdiction in this plan.
Local data needed: state-declared emergencies, from your state emergency management agency (federal data do not include them).
Tribal and special-area declarations in this state are listed on the state page.
Supports FEMA checklist item B1-e: probability of future events
Probability: FEMA annualized frequency and descriptor per hazard
Sources: 5, 6
| Hazard | FEMA annualized frequency (modeled)unit per row | Unit | In plain terms | Descriptor | Descriptor basis | NRI events or days in its record period (hail, wind and tornado are area-weighted, so can be fractional) | NRI period | Location | Note |
|---|---|---|---|---|---|---|---|---|---|
| Coastal Flooding | 1.95 | events per year at a location (modeled) | about 1.9 per year at a given location in the county | Highly likely | FEMA annualized frequency (modeled) | not shown | modeled | see B1-f | Descriptor from NRI: the rate at a location is 1 or more a year, so the county rate is at least that. |
| Cold Wave | 0.695 | event-days per year | about 0.695 days per year | Storm Events event-days in 0 of 30 years, 1996 to 2025 (0%) | 10 | 2005-11-12 to 2024-11-12 (19 years) | countywide | No Storm Events cold wave record, 1996 to 2025. | |
| Drought | 14.7 | event-days per year | about 14.7 days per year | Storm Events event-days in 0 of 30 years, 1996 to 2025 (0%) | 413 | 2000 to 2025 (25.25 years; D3 and D4 only) | countywide | No Storm Events drought record, 1996 to 2025 | |
| Earthquake | 0.000982 | annual probability at a location | chance a given location in the county has at least minor-damage shaking in a year: 0.0982% | not shown | modeled | see B1-f | No descriptor (Storm Events does not record earthquakes). | ||
| Hail | 1.03 | events per year | about 1.03 per year | Highly likely | FEMA annualized frequency (modeled) | 39.5 (modeled) | 1986 to 2023 (38 years) | countywide | |
| Heat Wave | 8.05 | event-days per year | about 8.05 days per year | Storm Events event-days in 0 of 30 years, 1996 to 2025 (0%) | 97.2 | 2005-11-12 to 2024-11-12 (19 years) | countywide | No Storm Events heat wave record, 1996 to 2025 | |
| Hurricane | 0.241 | events per year | about 1 in 4 years | Likely | FEMA annualized frequency (modeled) | 92 | 1851 to 2024 (Atlantic) | see B1-f | NRI counts hurricane and tropical storm tracks passing within storm-force wind range; federal declarations are in B1-d. |
| Ice Storm | 0.0836 | event-days per year | about 0.0836 days per year | Storm Events event-days in 0 of 30 years, 1996 to 2025 (0%) | 5 | 1946-12-31 to 2014-02-12 (67 years) | countywide | No Storm Events ice storm record, 1996 to 2025 | |
| Inland Flooding | 1.68 | event-days per year | about 1.68 days per year | Likely | Storm Events event-days in 23 of 30 years, 1996 to 2025 (76.7%) | 47 | 1996 to 2023 (28 years) | see B1-f | |
| Landslide | 0.154 | events per year (modeled) | about 1 in 6 years | Likely | FEMA annualized frequency (modeled) | not shown | modeled | see B1-f | |
| Lightning | 84.5 | days per year with a strike | about 84.5 days per year | Highly likely | FEMA annualized frequency (modeled) | not shown | 1995 to 2023 (29 years; CONUS) | countywide | |
| Strong Wind | 1.85 | events per year | about 1.85 per year | Highly likely | FEMA annualized frequency (modeled) | 55 | 1986 to 2023 (38 years) | countywide | |
| Tornado | 0.889 | events per year | about 0.89 per year | Likely | FEMA annualized frequency (modeled) | not shown | 1950 to 2023 (EF2+); 1986 to 2023 (EF0-1) | see B1-f | |
| Tsunami | annual probability at the most exposed location (used in place of a county value) | Storm Events records in 0 of 30 years, 1996 to 2025 (0%) | not shown | modeled | see B1-f | No descriptor: no Storm Events record 1996 to 2025 | |||
| Wildfire | 0.00195 | annual probability at a location | chance a given location in the county burns in a year: 0.195% | Storm Events records in 0 of 30 years, 1996 to 2025 (0%) | not shown | modeled | see B1-f | No descriptor: no Storm Events record 1996 to 2025 | |
| Winter Weather | 0.522 | event-days per year | about 0.522 days per year | Likely | Storm Events event-days in 3 of 30 years, 1996 to 2025 (10%) | 7.53 | 2005-11-12 to 2024-11-12 (19 years) | countywide |
FEMA annualized frequency (modeled) is the National Risk Index v1.20 (December 2025) estimate of how often a hazard affects this county in a year; it is not recorded events divided by years, and its unit differs by hazard (events, event-days, or days with a lightning strike per year). For earthquake, wildfire, coastal flooding and tsunami the value is the chance (or number of events) at a location in the county, not across the county, so no "1 in N years" is given and the descriptor comes from Storm Events where it has a record (none for earthquake). The Methods page gives each hazard's method, from FEMA's National Risk Index Technical Documentation v1.20.
Descriptor scale used in this packet (defined per unit)
Sources: 5, 6
| Unit | Descriptor | Definition |
|---|---|---|
| events per year | Highly likely | 1 or more per year |
| events per year | Likely | about once in 1 to 10 years |
| events per year | Possible | about once in 10 to 100 years |
| events per year | Unlikely | less than once in 100 years |
| annual probability | Likely | 10% to under 100% chance in a given year |
| annual probability | Possible | 1% to under 10% chance in a given year |
| annual probability | Unlikely | under 1% chance in a given year |
| event-days (share of years) | Highly likely | event-days recorded in 90% or more of years |
| event-days (share of years) | Likely | event-days recorded in 10% to under 90% of years |
| event-days (share of years) | Possible | event-days recorded in some years but under 10% of years |
| lightning strike-days | Highly likely | cloud-to-ground strikes on 1 or more days per year |
Intensity bands: historical frequency (Storm Events)
Source: 6
| Hazard | Band | Years | Eventscounty-coded records | Years in period | Events per yearevents / years |
|---|---|---|---|---|---|
| Hail | 1.00-1.99 in | 1996 to 2025 | 19 | 30 | 0.633 |
| Hail | 2.00 in+ | 1996 to 2025 | 0 | 30 | 0 |
| Thunderstorm Wind (counted as NRI Strong Wind) | 50-64 kt | 1996 to 2025 | 172 | 30 | 5.73 |
| Thunderstorm Wind (counted as NRI Strong Wind) | 65 kt+ | 1996 to 2025 | 14 | 30 | 0.467 |
| Thunderstorm Wind (counted as NRI Strong Wind) | unmeasured or below 50 kt | 1996 to 2025 | 0 | 30 | 0 |
| Tornado | EF0-1 | 1996 to 2025 | 31 | 30 | 1.03 |
| Tornado | EF2-3 | 1996 to 2025 | 2 | 30 | 0.0667 |
| Tornado | EF4-5 | 1996 to 2025 | 0 | 30 | 0 |
| Tornado | unrated (EFU) | 1996 to 2025 | 1 | 30 | 0.0333 |
The bands show how often events of each severity were recorded in this county, to profile how severe events have been (FEMA's probability item asks for the range of intensities).
Hail smaller than 1 inch is not counted: on 2010-01-05 the National Weather Service raised its severe-hail threshold from 3/4 inch to 1 inch, so smaller reports became less common after 2009 (NWS Service Change Notice 09-52). NRI hail frequency uses a 0.75 inch threshold.
Optional: future conditions. Not a required item in the 2025 FEMA Local Mitigation Planning Policy Guide; some states ask for it. The federal Climate Mapping for Resilience and Adaptation (CMRA) site gives county exposure to future climate conditions (https://resilience.climate.gov/).
Supports FEMA checklist item B1-f: hazards that vary across jurisdictions
Range of census tract risk within the county
Source: 5
| Hazard | Tractsrated of all | NRI risk score, 0 to 100 | Tracts by rating | ||
|---|---|---|---|---|---|
| Min | Median | Max | |||
| Coastal Flooding | 33 of 47 | 69.4 | 86.1 | 96.5 | Relatively High 1, Relatively Moderate 11, Relatively Low 15, Very Low 6, No Rating 14 |
| Cold Wave | 47 of 47 | 27.8 | 49.3 | 74.4 | Relatively Moderate 25, Relatively Low 22 |
| Drought | 14 of 47 | 66.9 | 73.0 | 83.5 | Relatively Low 1, Very Low 13, No Rating 33 |
| Earthquake | 47 of 47 | 7.5 | 29.5 | 53.1 | Relatively Low 8, Very Low 39 |
| Hail | 47 of 47 | 21.2 | 31.3 | 48.8 | Relatively Low 14, Very Low 33 |
| Heat Wave | 47 of 47 | 27.8 | 63.5 | 85.9 | Relatively High 3, Relatively Moderate 31, Relatively Low 13 |
| Hurricane | 47 of 47 | 88.1 | 97.2 | 99.5 | Very High 24, Relatively High 22, Relatively Moderate 1 |
| Ice Storm | 47 of 47 | 1.9 | 5.2 | 53.2 | Relatively Low 6, Very Low 41 |
| Inland Flooding | 47 of 47 | 1.4 | 33.4 | 79.7 | Relatively High 1, Relatively Moderate 13, Relatively Low 24, Very Low 9 |
| Landslide | 45 of 47 | 11.1 | 43.5 | 87.0 | Relatively Low 3, Very Low 42, No Rating 2 |
| Lightning | 47 of 47 | 89.9 | 97.9 | 99.7 | Very High 37, Relatively High 10 |
| Strong Wind | 47 of 47 | 32.5 | 58.8 | 83.5 | Relatively High 2, Relatively Moderate 27, Relatively Low 18 |
| Tornado | 47 of 47 | 55.8 | 77.5 | 97.5 | Very High 4, Relatively High 22, Relatively Moderate 21 |
| Tsunami | 0 of 47 | Insufficient Data 47 | |||
| Wildfire | 39 of 47 | 20.8 | 69.1 | 91.9 | Relatively Moderate 4, Relatively Low 16, Very Low 19, No Rating 8 |
| Winter Weather | 47 of 47 | 18.4 | 32.8 | 60.7 | Relatively Moderate 6, Relatively Low 41 |
Drought: Agriculture is all of NRI's expected annual loss for this hazard in the county, so the tract range mostly reflects where crop and livestock value is.
Rated tracts only: No Rating (score 0.0), Not Applicable and Insufficient Data tracts are counted but not used for the minimum, median and maximum.
The score ranks a tract against all U.S. tracts (100 = highest). The rating is FEMA's category for the tract's risk value, computed differently, so the two can disagree.
Frequency data for cold wave, drought, hail, heat wave, ice storm, lightning, strong wind and winter weather are county-wide or coarse (49 km grid or NWS zone), the same for every jurisdiction; the tract range mostly reflects where buildings and people are (crop and livestock value where a line above names agriculture).
Each jurisdiction (starting figures from federal data)
Sources: 1, 3, 4, 6
| Jurisdiction | Type | Plan status | Repetitive lossFMA RL and SRL (44 CFR 77.2); repeat-flood, any definition | Public Assistance to this jurisdictionFEMA records matched by applicant name; federal share obligated, nominal dollars | Event records naming this placeall years; since its plan | Notes |
|---|---|---|---|---|---|---|
| Okaloosa County (unincorporated area) | Unincorporated | Approved, expires 2026-11-22 | FMA RL 75, SRL 87; any 558 | $28,857,959.95 | 0 total; 0 since its plan | |
| Cinco Bayou town | Town | Approved, expires 2026-11-22 | FMA RL 0, SRL 0; any 1 | $112,419.94 | 1 total; 0 since its plan | |
| Crestview city | Town | Approved, expires 2026-11-22 | FMA RL 0, SRL 0; any 0 | $1,613,990.19 | 79 total; 3 since its plan | |
| Destin city | City | Approved, expires 2026-11-22 | FMA RL 15, SRL 34; any 230 | $3,661,049.19 | 25 total; 3 since its plan | |
| Fort Walton Beach city | City | Approved, expires 2026-11-22 | FMA RL 9, SRL 10; any 89 | $6,598,433.09 | 37 total; 1 since its plan | |
| Laurel Hill city | Town | Approved, expires 2026-11-22 | FMA RL 0, SRL 0; any 0 | $106,974.05 | 12 total; 1 since its plan | |
| Mary Esther city | Town | Approved, expires 2026-11-22 | FMA RL 5, SRL 3; any 15 | $2,664,853.74 | 18 total; 0 since its plan | |
| Niceville city | Town | Approved, expires 2026-11-22 | FMA RL 0, SRL 1; any 16 | $1,280,153.09 | 25 total; 0 since its plan | Includes $70,350.13 for declarations not counted as hazard incidents (DR-4486-FL). |
| Shalimar town | Town | Approved, expires 2026-11-22 | FMA RL 5, SRL 0; any 42 | $67,513.08 | 20 total; 2 since its plan | |
| Valparaiso city | Town | Approved, expires 2026-11-22 | FMA RL 0, SRL 1; any 13 | $456,391.66 | 14 total; 3 since its plan |
Repetitive-loss counts are for whole NFIP communities, which can extend beyond this county (see the note in B2-c).
School districts and special districts get a plan clock row only.
County Public Assistance in B1-d also includes applicants filed under the county that are not jurisdictions in this plan (for example state agencies, special districts and nonprofits), so the jurisdiction rows add up to less.
Supports FEMA checklist items B2-a and B2-b: vulnerability and potential impacts
Local data needed
The table below gives county-level starting figures; the plan describes impacts for each jurisdiction and its own assets.
- Critical facilities and lifelines per hazard
- A problem statement per jurisdiction per hazard
- Changes in development in hazard-prone areas since the last approval, or a statement of none (E1-a)
- Future assets
County-level starter: exposure, expected annual loss and damage since the plan
Sources: 1, 2, 3, 5, 6, 7
| Hazard | Building exposuremodeled dollars | Agriculture exposuremodeled dollars | Population exposedpeople | EAL buildingsmodeled dollars per year | EAL agriculturemodeled dollars per year | Cost of expected deaths and injuriesFEMA's dollar value per year, not property damage | EAL as % of exposurebuildings; agriculture where noted | Storm Events damage since 2021-11-22county-coded records, property plus crops, nominal dollars | Zone-level damage since planproperty plus crops, reported for the zone | Public Assistance since plannominal dollars; see note | Note |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Coastal Flooding | $5,397,929,603 | n/a | 23,576 | $633,311 | n/a | $96,295 | 0.0117% | ||||
| Cold Wave | $40,382,827,242 | $10,723,885 | 211,293 | $4,988 | $6,471 | $2,638,158 | under 0.0001% | ||||
| Drought | n/a | $7,082,190 | n/a | n/a | $5,455 | n/a | 0.077% (agriculture) | NRI has no building exposure for this hazard; agriculture shown | |||
| Earthquake | $69,461,705,029 | n/a | 211,668 | $385,680 | n/a | $183,380 | 0.000555% | ||||
| Hail | $40,382,827,242 | $10,723,885 | 211,293 | $25,662 | $20 | $97,528 | under 0.0001% | $0 | |||
| Heat Wave | $40,382,827,242 | $10,723,885 | 211,293 | $202 | $116 | $3,025,040 | under 0.0001% | ||||
| Hurricane | $40,382,804,164 | $10,723,885 | 211,293 | $80,706,353 | $110,580 | $6,369,169 | 0.2% | no Public Assistance recorded (6 declarations) | |||
| Ice Storm | $40,382,827,242 | n/a | 211,293 | $44,121 | n/a | $5,327 | 0.000109% | ||||
| Inland Flooding | $40,296,545,395 | $36,931 | 12,474 | $19,822,611 | $709 | $2,155,750 | n/a (see note) | $0 | no Public Assistance recorded (2 declarations) | NRI counts the full building value of any census block with some flood loss; this is not the value of buildings in the floodplain. Use local FIRM overlays for B2-a/B2-b. | |
| Landslide | $130,356,881 | n/a | 717 | $1,051 | n/a | $6 | 0.000806% | ||||
| Lightning | $40,382,827,242 | n/a | 211,293 | $110,454 | n/a | $4,843,929 | 0.000274% | ||||
| Strong Wind | $40,382,827,242 | $10,723,885 | 211,293 | $463,482 | $44 | $704,933 | 0.00115% | $0 | $0 | no Public Assistance recorded (2 declarations) | |
| Tornado | $40,382,827,242 | $10,723,885 | 211,293 | $3,716,637 | $133 | $7,946,571 | 0.0092% | $361,000 | no Public Assistance recorded (1 declaration) | ||
| Tsunami | n/a | n/a | n/a | n/a | n/a | n/a | NRI publishes no building exposure for this county | ||||
| Wildfire | $1,648,082,637 | $2,461,397 | 17,714 | $264,135 | $38 | $42,678 | 0.016% | ||||
| Winter Weather | $40,382,824,342 | $10,723,885 | 211,293 | $21,059 | $13 | $42,485 | under 0.0001% | $0 |
Totals since 2021-11-22 (Storm Events through 2026-06-30): 43 county-coded records, 43 with a damage value recorded (including $0), $361,000; 2 zone-level records, 2 with a damage value recorded (including $0), $0 reported for the zone; Public Assistance: none recorded on the 6 counted declarations.
FEMA does not split Public Assistance by hazard. A declaration mapped to several hazards is listed under each of them with its full amount, so the per-hazard column does not add up to the total; the unit total counts each declaration once.
NRI computes earthquake exposure on its own basis, so it exceeds the county building value in B2-a.
Supports FEMA checklist item B2-a: vulnerability (county context)
County context
Source: 5
| Measure | Value |
|---|---|
| Population | 211,293 |
| Building value (total, not at risk) | $40,382,827,242 |
| Agriculture value (total, not at risk) | $10,723,885 |
| NRI risk rating (all hazards) | Relatively Moderate |
| Expected annual loss, buildings and agriculture, all hazards | $106,323,325 |
| Expected annual loss, population equivalence, all hazards (NRI values each statistical life at $13.7M; a modeled value of expected deaths and injuries, not property damage) | $28,151,249 |
| Social vulnerability rating | Relatively Low |
| Community resilience rating | Relatively Moderate |
| NRI version | December 2025 |
FEMA's all-hazard expected annual loss adds buildings, agriculture and population equivalence; this table gives the property part and the population-equivalence part as separate rows.
Social vulnerability: higher means people are more likely to be harmed and slower to recover. Community resilience: lower means the community is less able to recover. High social vulnerability and low resilience both raise the NRI risk rating.
Supports FEMA checklist item B2-c: repetitive loss properties
Repetitive loss in this county, both definitions
Sources: 1, 4
| Definition | Properties | Severe repetitive loss | Properties |
|---|---|---|---|
| Repetitive loss, FMA definition (44 CFR 77.2) | 109 | Severe repetitive loss, FMA definition (44 CFR 77.2) | 136 |
| Repetitive loss, NFIP insurance definition | 929 | Severe repetitive loss, NFIP insurance definition | 97 |
The state NFIP coordinator's list, the source FEMA's Handbook names, often uses the NFIP insurance definition (second row).
Repeat-flood properties: county and state-level rows
Sources: 1, 4
| Scope | RL, FMAproperties | SRL, FMAproperties | RL, NFIPproperties | SRL, NFIPproperties | Any categoryproperties | Mitigatedproperties | Currently insuredproperties |
|---|---|---|---|---|---|---|---|
| County total | 109 | 136 | 929 | 97 | 964 | 28 | 509 |
| of which: Okaloosa County (unincorporated area) | 75 | 87 | 531 | 61 | 558 | 22 | 250 |
| of which: Fort Walton Beach city | 9 | 10 | 83 | 6 | 89 | 3 | 45 |
| of which: Valparaiso city | 0 | 1 | 13 | 1 | 13 | 0 | 8 |
| of which: Mary Esther city | 5 | 3 | 15 | 2 | 15 | 0 | 9 |
| of which: Niceville city | 0 | 1 | 16 | 1 | 16 | 2 | 10 |
| of which: Shalimar town | 5 | 0 | 42 | 0 | 42 | 0 | 23 |
| of which: Cinco Bayou town | 0 | 0 | 1 | 0 | 1 | 0 | 0 |
| of which: Destin city | 15 | 34 | 228 | 26 | 230 | 1 | 164 |
| Statewide, no county in FEMA's file | 0 | 1 | 9 | 0 | 10 | 0 | 1 |
The statewide row counts properties FEMA's file gives with no county in this state; they are listed for reference and are not in this county's counts.
Repeat-flood properties by jurisdiction in the plan (NFIP community)
Sources: 1, 4
| Jurisdiction | NFIP community ID | RL, FMAproperties | SRL, FMAproperties | RL, NFIPproperties | SRL, NFIPproperties | Any categoryproperties | Mitigatedproperties | Currently insuredproperties |
|---|---|---|---|---|---|---|---|---|
| Okaloosa County (unincorporated area) | 120173 | 75 | 87 | 531 | 61 | 558 | 22 | 250 |
| Cinco Bayou town | 120596 | 0 | 0 | 1 | 0 | 1 | 0 | 0 |
| Crestview city | 120597 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Destin city | 125158 | 15 | 34 | 228 | 26 | 230 | 1 | 164 |
| Fort Walton Beach city | 120174 | 9 | 10 | 83 | 6 | 89 | 3 | 45 |
| Laurel Hill city | 120598 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Mary Esther city | 120337 | 5 | 3 | 15 | 2 | 15 | 0 | 9 |
| Niceville city | 120338 | 0 | 1 | 16 | 1 | 16 | 2 | 10 |
| Shalimar town | 120579 | 5 | 0 | 42 | 0 | 42 | 0 | 23 |
| Valparaiso city | 120176 | 0 | 1 | 13 | 1 | 13 | 0 | 8 |
Counts by occupancy group for each jurisdiction are in the Excel file, sheet "B2-c Jurisdictions".
Jurisdiction rows are whole NFIP communities and need not add up to the county total: a community that extends into another county is counted in full on each jurisdiction row, while the county table counts only its part in this county.
County repeat-flood properties by occupancy group
Sources: 1, 4
| Occupancy group | RL, FMAproperties | SRL, FMAproperties | RL, NFIPproperties | SRL, NFIPproperties | Any categoryproperties | Mitigatedproperties | Currently insuredproperties |
|---|---|---|---|---|---|---|---|
| single-family residential | 79 | 88 | 655 | 61 | 683 | 27 | 367 |
| 2 to 4 unit residential | 4 | 5 | 54 | 5 | 54 | 0 | 3 |
| other residential | 16 | 29 | 121 | 21 | 125 | 1 | 66 |
| non-residential | 10 | 14 | 99 | 10 | 102 | 0 | 73 |
| not reported | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
FEMA's occupancy groups have no institutional class; institutional properties are counted in non-residential or other residential in the table by occupancy group.
FMA RL and FMA SRL are the Flood Mitigation Assistance definitions (44 CFR 77.2), the ones the FEMA Local Mitigation Planning Policy Guide cites. NFIP repetitive loss (the FEMA insurance definition) is 2 or more claims over $1,000 in 10 years, and a property can leave that group once it is mitigated. Also shown: NFIP severe repetitive loss, any category, mitigated and currently insured. The Methods page gives the OpenFEMA field details.
Counts are aggregates of FEMA's public NFIP Multiple Loss Properties file (FEMA's data date 2026-08-02; file version 2026-08-04). No property is identified. County assignment is FEMA's geocode.
In this county 18 properties are FMA repetitive loss but not NFIP repetitive loss, and 838 properties are NFIP repetitive loss but not FMA repetitive loss.
Exact counts; no count suppression.
Sources
Tables cite these sources by number. The full list, for the plan's bibliography (FEMA review item A4-a):
- FEMA, OpenFEMA HazardMitigationPlanStatuses v1, version 2026-09-29T134039Z, pulled 2026-09-30, https://www.fema.gov/api/open/v1/HazardMitigationPlanStatuses (API)
- FEMA, OpenFEMA DisasterDeclarationsSummaries v2, version 2026-09-29T162832Z, pulled 2026-09-30, https://www.fema.gov/api/open/v2/DisasterDeclarationsSummaries (API)
- FEMA, OpenFEMA PublicAssistanceFundedProjectsSummaries v1, version 2026-09-29T150754Z, pulled 2026-09-30, https://www.fema.gov/api/open/v1/PublicAssistanceFundedProjectsSummaries (API)
- FEMA, OpenFEMA NfipMultipleLossProperties v1, version 2026-08-04T164045Z, pulled 2026-09-30, https://www.fema.gov/api/open/v1/NfipMultipleLossProperties (API)
- FEMA, FEMA National Risk Index 1.20.0 (December 2025), county and census tract tables, version 1.20.0, pulled 2026-09-30, https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_Counties.zip (download, 25 MB), https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_CensusTracts.zip (download, 635 MB)
- NOAA NCEI, NOAA NCEI Storm Events Database, details files (csvfiles v1.0), version c20260918, pulled 2026-09-30, https://www.ncei.noaa.gov/pub/data/swdi/stormevents/csvfiles/
- NOAA National Weather Service, NWS county-public forecast zones correlation file, version bp03mr20 to bp16ap26 (11 files; newest bp16ap26), pulled 2026-09-30, https://www.weather.gov/gis/ZoneCounty
- U.S. Census Bureau, Census 2024 Gazetteer, 2020 place by county, CT county-to-cousub crosswalk, version 2024-gazetteer, pulled 2026-09-30, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_counties_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_cousubs_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_place_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_unsd_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_elsd_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_scsd_national.zip, https://www2.census.gov/geo/docs/reference/codes2020/national_place_by_county2020.txt, https://www2.census.gov/geo/docs/reference/ct_change/ct_cou_to_cousub_crosswalk.xlsx (used to match place names and codes; no table prints its values)
What this packet is and what the plan adds
This packet is the federal data for the plan's risk assessment (the summary on page 1 says how it is organized); the plan and FEMA's review decide whether each item is met.
The plan adds what only the community has: local data on assets, critical facilities, development and each jurisdiction's impacts; local hazard history, including state-declared emergencies; the mitigation strategy; and adoption.
How the federal data are built: National Risk Index values are FEMA's model, not counts of events. Storm Events is more complete from 1996; zone-level records are placed by forecast zone, not by location in the county. Public Assistance for a jurisdiction is matched by applicant name. The Methods page gives every rule and the known edge cases.
OpenFEMA disclaimer
This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).
Reuse, citation and corrections
Reuse and citation: Hazard Plain text and tables are licensed under Creative Commons Attribution 4.0 International (CC BY 4.0, https://creativecommons.org/licenses/by/4.0/); credit Hazard Plain and the release. The underlying federal data are public domain; OpenFEMA data are also subject to the OpenFEMA terms and conditions.
Cite this: Hazard Plain (2026). Okaloosa County, FL: risk-assessment baseline packet, release 2026-10 (data as of 2026-09-30; County FIPS 12091). Automated baseline. https://hazardplain.org/fl/12091/ Built from FEMA OpenFEMA, the FEMA National Risk Index and NOAA NCEI Storm Events; source versions in the packet's Sources list.
Corrections: to report an error, name the packet, the table and what your records show. Contact: contact@hazardplain.org