Highest climate-risk ZIP codes in Florida
Top 25 highest FEMA NRI climate-risk counties in Florida (one representative ZIP per county). #1 is 33157 (Palmetto Bay) at score 99.6. Compare hazard exposure on US5.
FEMA’s National Risk Index is published at the county level on US5, so every ZIP in the same county shares the same composite score. This board shows one representative ZIP per county (the most populous code in that county) ranked by NRI — a relative signal of natural-hazard exposure for planning and insurance context.
Highest county scores on this board: Miami-Dade County (33157) at 99.6; Broward County (33024) at 99.5; Palm Beach County (33411) at 99.2.
Open a representative ZIP for flood, wildfire, and hurricane component scores, plus a plain-language risk summary.
Open any ZIP for a full demographics, income, and housing profile, or return to the Florida state page for the complete ZIP table.
Ranked counties (representative ZIP)
FEMA NRI is county-level data. Each row shows the most populous ZIP in that county as a representative entry.
| # | ZIP | City | County | NRI risk score | Population | Income | Home value |
|---|---|---|---|---|---|---|---|
| 1 | 33157 | Palmetto Bay | Miami-Dade County | 99.6 | 69,605 | $80,364 | $478,300 |
| 2 | 33024 | Pembroke Pines | Broward County | 99.5 | 75,579 | $76,501 | $365,200 |
| 3 | 33411 | Royal Palm Beach | Palm Beach County | 99.2 | 75,299 | $89,329 | $400,900 |
| 4 | 34135 | Bonita Springs | Lee County | 99.0 | 46,983 | $86,731 | $419,200 |
| 5 | 34120 | Orangetree | Collier County | 98.9 | 39,919 | $90,695 | $456,300 |
| 6 | 33647 | Tampa | Hillsborough County | 98.8 | 74,919 | $104,775 | $437,600 |
| 7 | 34787 | Horizon West | Orange County | 98.4 | 93,064 | $114,988 | $475,000 |
| 8 | 32940 | Viera West | Brevard County | 98.4 | 49,288 | $106,511 | $444,100 |
| 9 | 34698 | Dunedin | Pinellas County | 98.2 | 37,817 | $67,323 | $335,800 |
| 10 | 34293 | North Port | Sarasota County | 98.2 | 48,725 | $87,543 | $368,100 |
| 11 | 34221 | Palmetto | Manatee County | 97.6 | 54,923 | $74,314 | $298,200 |
| 12 | 32218 | Jacksonville | Duval County | 97.2 | 71,066 | $68,363 | $260,300 |
| 13 | 33810 | Kathleen | Polk County | 96.5 | 52,734 | $69,738 | $245,300 |
| 14 | 32174 | Ormond Beach | Volusia County | 96.2 | 53,087 | $67,817 | $315,100 |
| 15 | 34953 | Port St. Lucie | St. Lucie County | 96.1 | 82,469 | $81,028 | $326,800 |
| 16 | 34668 | Bayonet Point | Pasco County | 96.0 | 48,025 | $45,760 | $168,800 |
| 17 | 32958 | Sebastian | Indian River County | 95.6 | 29,641 | $68,276 | $279,100 |
| 18 | 33952 | Port Charlotte | Charlotte County | 95.2 | 33,991 | $56,117 | $224,900 |
| 19 | 32526 | Bellview | Escambia County | 95.1 | 43,627 | $71,651 | $230,400 |
| 20 | 34472 | Silver Springs Shores | Marion County | 94.7 | 34,665 | $61,635 | $185,900 |
| 21 | 34446 | Sugarmill Woods | Citrus County | 94.7 | 18,797 | $60,625 | $231,700 |
| 22 | 32404 | Panama City | Bay County | 94.1 | 42,117 | $72,208 | $239,700 |
| 23 | 34997 | Port Salerno | Martin County | 94.1 | 45,947 | $75,705 | $335,200 |
| 24 | 32304 | Tallahassee | Leon County | 93.4 | 50,080 | $30,823 | $147,000 |
| 25 | 32547 | Wright | Okaloosa County | 92.5 | 35,522 | $67,822 | $299,400 |
Frequently asked questions
Which areas in Florida have the highest climate or disaster risk?
FEMA NRI scores are county-level on US5. Miami-Dade County ranks near the top at 99.6 (representative ZIP 33157). Higher scores indicate greater relative natural-hazard exposure.
How does US5 rank ZIP codes in Florida?
We rank one representative ZIP per county (highest population in the county) by FEMA NRI composite score from high to low. NRI is county-level data, so all ZIPs in a county share the same score.
Where can I explore all ZIP codes in Florida?
Visit the Florida state page for the full ZIP table, demographics summary, and sortable income/housing columns.