Photo: The Bushranger · CC BY-SA 4.0On FEMA’s figures, Bradfordville faces more hazard damage per building than 85% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Bradfordville gets a D for hazard risk: higher expected damage per building than 85% of U.S. towns, #386 of 638 in Florida. Most of that expected damage is river and rain flooding (54%), then hurricanes (38%). Flood insurance has paid 3 claims here since 2016.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Bradfordville faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Hurricanes
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Bradfordville’s grade
River and rain flooding is 54% of the building damage FEMA expects in Bradfordville, and Bradfordville’s rate of river and rain flooding damage is higher than 76% of U.S. census tracts. Hurricanes add 38%, at a rate in the top 8% of U.S. census tracts.
D #386 of 638 in Florida; higher expected damage per building than 85% of U.S. towns (21,298).
Bradfordville’s residents live in 6 census tracts; FEMA’s figures are combined by where they live.
The typical Florida town has higher expected damage than 79% of U.S. towns; within the state, Bradfordville has more expected damage per building than 60% of Florida towns.
In dollars, FEMA expects about $10.2M a year in losses across Bradfordville: $7.0M to buildings, the rest to people and crops.
Does Bradfordville flood? Rarely: 3 flood claims since 2016
Every paid claim on a federal flood insurance policy in Bradfordville, from FEMA’s records: 0.4 per 1,000 homes, fewer than 91% of the 13,809 U.S. towns with a flood insurance record.
Bradfordville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Leon County.The storms Bradfordville remembers
None of the 25 disasters declared for Leon County shows FEMA aid or repair money reaching Bradfordville itself in FEMA’s records, so these are its biggest flood-claim years.
- 20161 flood claims paidThe year of Hurricane Hermine, declared for Leon County
- 20181 flood claims paidThe year of Hurricane Michael, declared for Leon County
- 20221 flood claims paidThe year of Hurricane Nicole, declared for Leon County
Leon County has had 25 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Leon County, 1999–1999.
Old photos of Bradfordville after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Bradfordville archive →Bradfordville and its neighbors
Bradfordville is 2nd of the 2 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Tallahassee | C−more damage than 79% | river and rain flooding | 458 |
| Bradfordville | Dmore damage than 85% | river and rain flooding | 3 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Bradfordville faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Bradfordville
Is Bradfordville at risk for natural disasters?
On FEMA’s National Risk Index, Bradfordville has higher expected damage per building than 85% of U.S. towns: D for hazard risk, #386 of 638 in Florida. Most of the expected damage is river and rain flooding (54%) and hurricanes (38%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Bradfordville flood?
Flood insurance has paid 3 claims in Bradfordville since 2016, $41K in all, or 0.4 per 1,000 homes, fewer than 91% of U.S. towns with a flood insurance record.
Is Bradfordville in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Leon County, 40% of homes in mapped flood zones carry federal flood insurance, and 2.7% of all homes do.
How much is flood insurance in Bradfordville?
FEMA’s Community Rating System list shows no discount for Bradfordville’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Bradfordville at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (54%), and Bradfordville’s rate for it is higher than 76% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Bradfordville.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Bradfordville’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.