Photo: Gamweb · CC BY-SA 4.0FEMA expects more hazard damage per building in Daytona Beach Shores than in 71% of U.S. towns, mostly from hurricanes
On FEMA’s National Risk Index, Daytona Beach Shores gets a C for hazard risk: higher expected damage per building than 71% of U.S. towns, #195 of 638 in Florida. Most of that expected damage is hurricanes (59%), then river and rain flooding (33%). Flood insurance has paid 69 claims here since 1978.
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 Daytona Beach Shores’ natural hazards
From FEMA’s model and FEMA’s records, below.
What Daytona Beach Shores 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 Daytona Beach Shores’ grade
Hurricanes are 59% of the building damage FEMA expects in Daytona Beach Shores, and Daytona Beach Shores’ rate of hurricanes damage is in the top 6% of U.S. census tracts. Coastal flooding adds 2%, at a rate in the top 4% of U.S. census tracts.
C #195 of 638 in Florida; higher expected damage per building than 71% of U.S. towns (21,298).
Daytona Beach Shores’ residents live in 3 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, Daytona Beach Shores has less expected damage per building than 70% of Florida towns.
In dollars, FEMA expects about $1.9M a year in losses across Daytona Beach Shores: $1.6M to buildings, the rest to people and crops.
Does Daytona Beach Shores flood? Sometimes: 69 flood claims since 1978
Every paid claim on a federal flood insurance policy in Daytona Beach Shores, from FEMA’s records: 10.9 per 1,000 homes, more than 75% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Ian20 claims · $1.7M
- Hurricane Nicole15 claims · $2.6M
- Hurricane Milton7 claims · $140K
Daytona Beach Shores is in FEMA’s Community Rating System (class 5) for its flood-proofing work.
Insurance rates: Volusia County.12 federal disasters brought FEMA money to Daytona Beach Shores
Disasters that paid out in Daytona Beach Shores itself (aid to households or repair grants to the City of Daytona Beach Shores), newest first, with that year’s flood claims.
- 2024Hurricane Milton96 households applied for aid$145K aid approved$372K to the City of Daytona Beach Shores for repairs7 flood claims paid for it, $140K
- 2022Hurricane Nicole77 households applied for aid$53K aid approved$109K to the City of Daytona Beach Shores for repairs15 flood claims paid for it, $2.6M
- 2022Hurricane Ian241 households applied for aid$229K aid approved$897K to the City of Daytona Beach Shores for repairs20 flood claims paid for it, $1.7M
- 2019Hurricane Dorian$89K to the City of Daytona Beach Shores for repairs
- 2017Hurricane Irma114 households applied for aid$23K aid approved$151K to the City of Daytona Beach Shores for repairs1 flood claim paid that year
- 2016Hurricane Matthew53 households applied for aid$64K aid approved$514K to the City of Daytona Beach Shores for repairs4 flood claims paid for it, $70K
Show all 12
- 2008Tropical Storm Fay1 households applied for aid$2K aid approved1 flood claim paid that year
- 2004Hurricane Jeanne20 households applied for aid$12K aid approved$51K to the City of Daytona Beach Shores for repairs
- 2004Hurricane Frances77 households applied for aid$49K aid approved$238K to the City of Daytona Beach Shores for repairs4 flood claims paid for it, $138K
- 2004Tropical Storm Bonnie and Hurricane Charley29 households applied for aid$10K aid approved$170K to the City of Daytona Beach Shores for repairs
- 1999Fl-hurricane Irene-dr-req$3K to the City of Daytona Beach Shores for repairs
- 1999Hurricane Floyd Major Disaster Declarations$11K to the City of Daytona Beach Shores for repairs
Volusia County has had 30 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 Volusia County, 2006–2007.
Old photos of Daytona Beach Shores after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Daytona Beach Shores archive →Daytona Beach Shores and its neighbors
Daytona Beach Shores has the lowest expected damage per building of the 3 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Daytona Beach Shores | Cmore damage than 71% | hurricanes | 69 |
| Port Orange | Cmore damage than 72% | hurricanes | 1,882 |
| Daytona Beach | Cmore damage than 74% | hurricanes | 1,683 |
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 Daytona Beach Shores 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.
- Daytona Beach Shores residents get 25% off flood insurance.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Daytona Beach Shores
Is Daytona Beach Shores at risk for natural disasters?
On FEMA’s National Risk Index, Daytona Beach Shores has higher expected damage per building than 71% of U.S. towns: C for hazard risk, #195 of 638 in Florida. Most of the expected damage is hurricanes (59%) and river and rain flooding (33%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Daytona Beach Shores flood?
Flood insurance has paid 69 claims in Daytona Beach Shores since 1978, $4.8M in all, or 10.9 per 1,000 homes, more than 75% of U.S. towns with a flood insurance record. 10 properties have flooded more than once. The most claims came from Hurricane Ian (20).
Is Daytona Beach Shores 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 Volusia County, 57% of homes in mapped flood zones carry federal flood insurance, and 11.1% of all homes do.
How much is flood insurance in Daytona Beach Shores?
Daytona Beach Shores is in FEMA’s Community Rating System (class 5), which takes 25% 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 Daytona Beach Shores?
By FEMA money that reached Daytona Beach Shores, Hurricane Ian (2022): 241 households applied for aid, $229K approved, and $897K to the City of Daytona Beach Shores for repairs. By flood claims, Hurricane Ian: 20 paid, $1.7M.
Is Daytona Beach Shores at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (59%), and Daytona Beach Shores’ rate for it is in the top 6% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Daytona Beach Shores.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Daytona Beach Shores’ 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.