Okaloosa County, Florida: hazard history
What federal records show has already happened here: disaster declarations, storms, and flood insurance claims. This is a record of the past. It is not a forecast and not a hazard score.
At a glance
What this means
- The event NOAA recorded most often here is Thunderstorm Wind, with 187 records.
- The costliest single record is Hurricane (Typhoon) in 1998: $40.0M in property damage, in the dollars of that year.
- The deadliest record is Lightning in 1996, with 1 death.
- FEMA has declared 41 disasters that named this county, most often for hurricane.
- The worst year for flood insurance claims was 1995, with 2,949 claims.
What this can't tell you
- What happens next. Past events do not set the odds of the next one.
- Anything before 1996 from NOAA. That is when NOAA began recording every event type; earlier files hold only tornado, hail and wind, so they are left out on purpose.
- Today's cost. Damage and payments are in the dollars of the year they happened.
- A flood rate. NFIP counts claims but not how many homes were insured, and many flooded homes carry no flood insurance.
- Earthquakes, wildfire perimeters or radar-detected hail. Those records are not tied to counties.
Federal disaster declarations (FEMA)
FEMA declared 41 disasters that named Okaloosa County between 1970 and 2024.
| Incident type | Disasters | Most recent |
|---|---|---|
| Hurricane | 24 | 2024 |
| Severe Storm | 6 | 2014 |
| Flood | 5 | 1994 |
| Tropical Storm | 3 | 2024 |
| Biological | 2 | 2020 |
| Fire | 1 | 1998 |
Most recent declarations
- EM-3615 2024 · Tropical Storm · Tropical Storm Helene
- DR-4828 2024 · Hurricane · Hurricane Helene
- EM-3605 2024 · Tropical Storm · Tropical Storm Debby
- DR-4806 2024 · Tropical Storm · Hurricane Debby
- DR-4673 2022 · Hurricane · Hurricane Ian
- EM-3584 2022 · Hurricane · Tropical Storm Ian
- EM-3562 2021 · Hurricane · Tropical Storm Fred
- EM-3546 2020 · Hurricane · Hurricane Sally
- DR-4564 2020 · Hurricane · Hurricane Sally
- DR-4486 2020 · Biological · Covid-19 Pandemic
Not counted above: 36 statewide declarations, which covered every county in Florida. A declaration is a decision to send federal help, not a measure of how bad an event was. Records run from 1953. Source: FEMA OpenFEMA Disaster Declarations Summaries.
Storms recorded by NOAA, by type
| Event type | Records | Deaths | Injuries | Property damage |
|---|---|---|---|---|
| Thunderstorm Wind | 187 | 0 | 0 | $8.2M |
| Flash Flood | 65 | 1 | 0 | $2.8M |
| Hail | 52 | 0 | 0 | $10K |
| Lightning | 46 | 5 | 49 | $1.4M |
| Tornado | 34 | 0 | 16 | $4.6M |
| Rip Current | 25 | 21 | 21 | $0 |
| Tropical Storm | 24 | 1 | 0 | $18.2M |
| Hurricane (Typhoon) | 10 | 0 | 0 | $40.1M |
| Waterspout | 9 | 0 | 0 | $0 |
| Funnel Cloud | 7 | 0 | 0 | $0 |
| Storm Surge/Tide | 6 | 0 | 0 | $700K |
| Flood | 5 | 0 | 0 | $90K |
| Drought | 4 | 0 | 0 | $0 |
| Heat | 4 | 0 | 0 | $0 |
| High Wind | 3 | 0 | 0 | $0 |
| Winter Weather | 3 | 0 | 0 | $0 |
| Coastal Flood | 2 | 0 | 0 | $12K |
| Heavy Snow | 2 | 0 | 0 | $0 |
| High Surf | 2 | 1 | 0 | $0 |
| Sleet | 2 | 0 | 0 | $0 |
| Tropical Depression | 2 | 0 | 0 | $0 |
| Strong Wind | 1 | 0 | 0 | $10K |
| Winter Storm | 1 | 0 | 0 | $0 |
Records start in 1996. Damage is NOAA's estimate at the time, in nominal dollars, and is often rounded; it is not insurance claims data. A storm that crossed two NOAA zones in this county is recorded, and counted, once per zone.
Year by year
NOAA storm event records in Okaloosa County each year. The busiest year was 2000, with 34 records.
Show the numbers for every year
| Year | Records | Deaths | Property damage |
|---|---|---|---|
| 1996 | 12 | 1 | $528K |
| 1997 | 22 | 0 | $112K |
| 1998 | 28 | 0 | $45.6M |
| 1999 | 20 | 2 | $85K |
| 2000 | 34 | 0 | $220K |
| 2001 | 18 | 1 | $85K |
| 2002 | 17 | 0 | $1.6M |
| 2003 | 19 | 3 | $2.0M |
| 2004 | 17 | 0 | $368K |
| 2005 | 29 | 0 | $658K |
| 2006 | 11 | 0 | $2.1M |
| 2007 | 9 | 1 | $240K |
| 2008 | 12 | 0 | $756K |
| 2009 | 22 | 4 | $1.0M |
| 2010 | 8 | 0 | $19K |
| 2011 | 15 | 0 | $53K |
| 2012 | 9 | 1 | $52K |
| 2013 | 9 | 0 | $25K |
| 2014 | 14 | 0 | $1.6M |
| 2015 | 10 | 1 | $120K |
| 2016 | 20 | 2 | $115K |
| 2017 | 22 | 2 | $460K |
| 2018 | 16 | 2 | $515K |
| 2019 | 8 | 1 | $2K |
| 2020 | 19 | 1 | $17.3M |
| 2021 | 26 | 3 | $0 |
| 2022 | 9 | 0 | $361K |
| 2023 | 23 | 2 | $0 |
| 2024 | 12 | 2 | $0 |
| 2025 | 5 | 0 | $0 |
| 2026 | 1 | 0 | $0 |
Years with no record are left out of the table, not shown as zero.
Notable events
Costliest records
- Hurricane (Typhoon) · Sep 25, 1998$40.0MNOAA name: COASTAL OKALOOSA · NOAA record 5673186
- Tropical Storm · Sep 15, 2020$17.3MNOAA name: OKALOOSA COASTAL · NOAA record 921143
- Thunderstorm Wind · Jun 6, 1998$4.0MNOAA name: OKALOOSA · NOAA record 5654329
- Thunderstorm Wind · Feb 21, 2003$2.0MNOAA name: OKALOOSA · NOAA record 5343828
- Tornado · Jan 13, 2006$2.0MNOAA name: OKALOOSA · 13 injuries · NOAA record 5487740
Deadliest records
- Lightning · Apr 18, 19961 deathNOAA name: OKALOOSA · 10 injuries · NOAA record 5543619
- Lightning · Mar 6, 19991 deathNOAA name: OKALOOSA · 1 injury · NOAA record 5692834
- Rip Current · Apr 23, 19991 deathNOAA name: OKALOOSA · NOAA record 5717358
- Rip Current · Jun 6, 20011 deathNOAA name: OKALOOSA · NOAA record 5251528
- Rip Current · Jun 8, 20031 deathNOAA name: OKALOOSA · NOAA record 5373178
Each line is one NOAA record, linked to its page at NOAA. One large storm can appear more than once if NOAA recorded it in several zones of this county. Dollars are nominal.
Flood insurance claims (NFIP)
The National Flood Insurance Program paid $282.2M on 8,215 claims in Okaloosa County from 1978 to 2024.
| Year | Claims | Paid |
|---|---|---|
| 1995 | 2,949 | $116.2M |
| 2004 | 2,542 | $114.2M |
| 2005 | 975 | $22.8M |
| 1998 | 568 | $4.4M |
| 2020 | 338 | $10.3M |
A count of claims, not a rate: NFIP publishes no count of insured homes beside it, and most flood damage is uninsured. Nominal dollars. Records run from 1978 to 2024; claims filed without a county code are not on any county page. Source: FEMA OpenFEMA FIMA NFIP Redacted Claims.
Hazard vulnerability analysis: the probability column for a facility in Okaloosa County
A hazard vulnerability analysis rates each hazard for probability, impact, preparedness and response. Probability is the one column the county’s federal record can fill — NCEI storm events from 1996 to 2026 and FEMA declarations naming the county — and this is what it says for a facility here, on the 0–3 scale of the all-hazards structure surveyors expect. The other six columns are the facility’s own judgment about its building, and Calchis leaves them blank.
| Hazard | Prob. | Basis, from the county record |
|---|---|---|
| Hurricane / Tropical Storm | 3 | 42 NCEI events over 31 years (1.35/yr). 27 federal disaster declarations naming the county. |
| Tornado | 3 | 34 NCEI events over 31 years (1.10/yr). No federal disaster declaration of this kind has named the county. |
| Severe Thunderstorm | 3 | 285 NCEI events over 31 years (9.19/yr). 6 federal disaster declarations naming the county. |
| Flood, External | 3 | 72 NCEI events over 31 years (2.32/yr). 5 federal disaster declarations naming the county. |
| Snow Fall / Blizzard / Ice Storm | 2 | 8 NCEI events over 31 years (0.26/yr). No federal disaster declaration of this kind has named the county. |
| Temperature Extremes | 2 | 4 NCEI events over 31 years (0.13/yr). No federal disaster declaration of this kind has named the county. |
| Drought | 2 | 4 NCEI events over 31 years (0.13/yr). No federal disaster declaration of this kind has named the county. |
| Wild Fire | 2 | No events of this kind on the county's NCEI record over 31 years. 1 federal disaster declaration naming the county. |
| High Wind (non-convective) | 2 | 4 NCEI events over 31 years (0.13/yr). No federal disaster declaration of this kind has named the county. |
| Epidemic | 2 | 2 federal disaster declarations naming the county. |
| Earthquake | 1 | No federal disaster declaration of this kind has named the county. |
| Landslide | 1 | No events of this kind on the county's NCEI record over 31 years. No federal disaster declaration of this kind has named the county. |
| Tidal Wave / Tsunami | 1 | No events of this kind on the county's NCEI record over 31 years. No federal disaster declaration of this kind has named the county. |
| Volcano | 1 | No events of this kind on the county's NCEI record over 31 years. No federal disaster declaration of this kind has named the county. |
| Dam Inundation | 1 | No federal disaster declaration of this kind has named the county. |
A dash means the record does not speak to that hazard; it is not a zero. Whether a finished document satisfies the CMS Emergency Preparedness Rule is the facility’s finding and its surveyor’s. Complete the HVA for a facility in Okaloosa County — the technological, human and hazardous-materials rows, the six facility columns, the approval and the printed document — or read the sample analysis on that page first.
How this page was made
- Every figure is counted from public federal records held by Calchis: NOAA NCEI Storm Events, FEMA OpenFEMA Disaster Declarations, and FEMA NFIP claims. Nothing is modeled or estimated.
- NOAA files some events by county and others by forecast zone, and names both. Records are counted as Okaloosa County when their NOAA name is this county's name, alone or with a word like “Coastal” or “Inland” in front. The county codes NOAA also publishes have not been loaded for Florida yet; when they are, this page will count by code instead, and some counties' records will grow. NOAA names counted here: COASTAL OKALOOSA, INLAND OKALOOSA, OKALOOSA, OKALOOSA COASTAL, OKALOOSA INLAND. Zones named for something else, such as a mountain range or two counties at once, are left out: 0% of Florida's NOAA records.
- Counts last rebuilt from the source records on Sep 15, 2026.
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Recorded history from federal public records. Not a hazard score, a risk score, or a forecast, and not a substitute for professional actuarial or emergency-management assessment. Decision-support intelligence — not a primary alerting or dispatch system. Verify against official sources.