FEMA expects more hazard damage per building in Country Walk than in 92% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Country Walk gets a D for hazard risk: higher expected damage per building than 92% of U.S. towns, #496 of 638 in Florida. Most of that expected damage is river and rain flooding (68%), then hurricanes (30%). Flood insurance has paid 115 claims here since 1999.
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 Country Walk’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Country Walk 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 Country Walk’s grade
River and rain flooding is 68% of the building damage FEMA expects in Country Walk, and Country Walk’s rate of river and rain flooding damage is in the top 7% of U.S. census tracts. Hurricanes add 30%, at a rate in the top 8% of U.S. census tracts.
D #496 of 638 in Florida; higher expected damage per building than 92% of U.S. towns (21,298).
Country Walk’s residents live in 4 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, Country Walk has more expected damage per building than 78% of Florida towns.
In dollars, FEMA expects about $16.9M a year in losses across Country Walk: $7.3M to buildings, the rest to people and crops.
Does Country Walk flood? Yes: 115 flood claims since 1999
Every paid claim on a federal flood insurance policy in Country Walk, from FEMA’s records: 20.1 per 1,000 homes, more than 84% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Irene44 claims · $263K
- Hurricane Katrina37 claims · $459K
- Hurricane Irma4 claims · $17K
Country Walk isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Dade County.The storms Country Walk remembers
None of the 32 disasters declared for its 2 counties shows FEMA aid or repair money reaching Country Walk itself in FEMA’s records, so these are its biggest flood-claim years.
- 199944 flood claims paidThe year of Fl-hurricane Irene-dr-req, declared for its 2 counties
- 200543 flood claims paidThe year of Hurricane Wilma, declared for its 2 counties
- 200020 flood claims paidThe year of Severe Freeze, declared for its 2 counties
Its 2 counties have 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 2 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in its 2 counties, 1999–2001.
Old photos of Country Walk after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Country Walk archive →Country Walk and its neighbors
Country Walk is 2nd of the 3 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 |
|---|---|---|---|
| Three Lakes | C−more damage than 79% | river and rain flooding | 3 |
| Country Walk | Dmore damage than 92% | river and rain flooding | 115 |
| Richmond West | Dmore damage than 92% | river and rain flooding | 405 |
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 Country Walk 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 Country Walk
Is Country Walk at risk for natural disasters?
On FEMA’s National Risk Index, Country Walk has higher expected damage per building than 92% of U.S. towns: D for hazard risk, #496 of 638 in Florida. Most of the expected damage is river and rain flooding (68%) and hurricanes (30%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Country Walk flood?
Flood insurance has paid 115 claims in Country Walk since 1999, $1.0M in all, or 20.1 per 1,000 homes, more than 84% of U.S. towns with a flood insurance record. The most claims came from Hurricane Irene (44).
Is Country Walk 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 Dade County, 74% of homes in mapped flood zones carry federal flood insurance, and 33.4% of all homes do.
How much is flood insurance in Country Walk?
FEMA’s Community Rating System list shows no discount for Country Walk’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Country Walk?
By flood claims, Hurricane Irene: 44 paid, $263K.
Is Country Walk at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (68%), and Country Walk’s rate for it is in the top 7% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Country Walk.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Country Walk’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.