FEMA puts Coral Springs’s expected hazard damage per building above that of 80% of U.S. towns, led by hurricanes
On FEMA’s National Risk Index, Coral Springs gets a C− for hazard risk: higher expected damage per building than 80% of U.S. towns, #326 of 638 in Florida. Most of that expected damage is hurricanes (49%), then river and rain flooding (49%). Flood insurance has paid 573 claims here since 1979.
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 stands out about Coral Springs’ natural hazards
From FEMA’s model and FEMA’s records, below.
What Coral Springs faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Hurricanes
River and rain flooding
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 Coral Springs’ grade
Hurricanes are 49% of the building damage FEMA expects in Coral Springs, and Coral Springs’ rate of hurricanes damage is in the top 7% of U.S. census tracts. Next is river and rain flooding at 49% (higher than 61% of U.S. census tracts).
C− #326 of 638 in Florida; higher expected damage per building than 80% of U.S. towns (21,298).
Coral Springs’ residents live in 26 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, Coral Springs has more expected damage per building than 51% of Florida towns.
Among the 400 U.S. cities of 100,000 or more, Coral Springs has higher expected damage per building than 72% (#289 of 400). Because it is so big, its total expected yearly loss, $41.0M, is the 290th largest of those 400.
Does Coral Springs flood? Yes: 573 flood claims since 1979
Every paid claim on a federal flood insurance policy in Coral Springs, from FEMA’s records: 12.0 per 1,000 homes, more than 77% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Irene191 claims · $519K
- Hurricane Wilma40 claims · $687K
- Hurricane Isaac35 claims · $178K
Coral Springs is in FEMA’s Community Rating System (class 8) for its flood-proofing work.
Insurance rates: Broward County.11 federal disasters brought FEMA money to Coral Springs
Disasters that paid out in Coral Springs itself (aid to households or repair grants to the City of Coral Springs), newest first, with that year’s flood claims.
- 2023Severe Storms, Tornadoes, and Flooding280 households applied for aid$259K aid approved2 flood claims paid that year
- 2019Hurricane Dorian$17K to the City of Coral Springs for repairs1 flood claim paid that year
- 2017Hurricane Irma13,870 households applied for aid$4.1M aid approved$9.1M to the City of Coral Springs for repairs26 flood claims paid for it, $489K
- 2016Hurricane Matthew$231K to the City of Coral Springs for repairs3 flood claims paid that year
- 2008Tropical Storm Fay$13K to the City of Coral Springs for repairs2 flood claims paid that year
- 2005Hurricane Wilma13,990 households applied for aid$5.1M aid approved$24.7M to the City of Coral Springs for repairs40 flood claims paid for it, $687K
Show all 11
- 2005Hurricane Katrina$444K to the City of Coral Springs for repairs
- 2004Hurricane Jeanne1 households applied for aid$873 aid approved$615K to the City of Coral Springs for repairs
- 2004Hurricane Frances606 households applied for aid$460K aid approved$1.6M to the City of Coral Springs for repairs31 flood claims paid for it, $104K
- 1999Fl-hurricane Irene-dr-req$83K to the City of Coral Springs for repairs191 flood claims paid for it, $519K
- 1999Hurricane Floyd Emergency Declarations$73K to the City of Coral Springs for repairs
Broward County has had 32 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 Broward County, 1999–1999.
Old photos of Coral Springs after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Coral Springs archive →Coral Springs and its neighbors
Coral Springs is 2nd of the 5 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 |
|---|---|---|---|
| Coconut Creek | C−more damage than 78% | hurricanes | 41 |
| Coral Springs | C−more damage than 80% | hurricanes | 573 |
| Tamarac | C−more damage than 80% | river and rain flooding | 475 |
| Margate | C−more damage than 82% | river and rain flooding | 441 |
| Parkland | Dmore damage than 88% | river and rain flooding | 29 |
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 Coral Springs faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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.
- 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.
- Coral Springs residents get 10% off flood insurance.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Coral Springs
Is Coral Springs at risk for natural disasters?
On FEMA’s National Risk Index, Coral Springs has higher expected damage per building than 80% of U.S. towns: C− for hazard risk, #326 of 638 in Florida. Most of the expected damage is hurricanes (49%) and river and rain flooding (49%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Coral Springs flood?
Flood insurance has paid 573 claims in Coral Springs since 1979, $2.9M in all, or 12.0 per 1,000 homes, more than 77% of U.S. towns with a flood insurance record. 18 properties have flooded more than once. The most claims came from Hurricane Irene (191).
Is Coral Springs 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 Broward County, 76% of homes in mapped flood zones carry federal flood insurance, and 19.2% of all homes do.
How much is flood insurance in Coral Springs?
Coral Springs is in FEMA’s Community Rating System (class 8), which takes 10% off federal flood insurance policies for its flood-proofing work. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Coral Springs?
By FEMA money that reached Coral Springs, Hurricane Wilma (2005): 13,990 households applied for aid, $5.1M approved, and $24.7M to the City of Coral Springs for repairs. By flood claims, Hurricane Irene: 191 paid, $519K.
Is Coral Springs at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (49%), and Coral Springs’ rate for it is in the top 7% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Coral Springs.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Coral Springs’ 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.