US5.com
  1. Home
  2. States
  3. Florida
  4. ZIP 32648
  5. Climate & Environment
Horseshoe Beach town, FL

ZIP 32648 — Climate & Environment

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Low Income AreaLow Snow AreaRemote Work Hub

Climate, disaster risk, air quality, and environmental safety

Environment & Risk in ZIP Code 32648

Disaster Risk (FEMA NRI)

County-linked natural hazard risk from FEMA National Risk Index — useful for comparing insurance and disaster exposure.

FEMA’s National Risk Index rates natural-hazard risk for Horseshoe Beach town, FL as Very Low (composite score 35.5), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (87.1) and wildfire (72.9). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Overall rating
Very Low
Risk index
35.5
Flood risk
28.8
Wildfire risk
72.9
Hurricane risk
87.1
Earthquake risk
23.8
Tornado risk
26.2
Winter weather risk
1.9
Hail risk
2.6

Climate & Weather in ZIP Code 32648

Climate normals for Horseshoe Beach town, FL show little to no average snow and around 51.5 inches of annual precipitation. Pair that with FEMA NRI hazard context (overall rating Very Low) when evaluating long-term housing and insurance exposure.

7-day weather forecast

Loading live forecast…

Sunrise, sunset & moon

Loading outdoor timing for Horseshoe Beach town, FL (ZIP 32648)…

Monthly Temperature

30-year climate normals (avg. monthly temperature)

Climate Data
Hardiness Zone
9a
Annual Snow Days
0
Annual Precipitation
51.48 in
FEMA NRI rating
Very Low

Climate & Environment key statistics

Climate statistics
Climate
Hardiness zone9a
Annual precip (in)51.48
Snow days0
Broadband access90.7%
Risk & Air Quality statistics
Risk & Air Quality
NRI ratingVery Low
NRI risk index35.5
Flood risk (NRI)28.8
Wildfire risk (NRI)72.9
Hurricane risk (NRI)87.1
IRS net migration11