Photo: The Bushranger · CC BY-SA 4.0FEMA puts Eastpoint’s expected hazard damage per building above that of 91% of U.S. towns, mostly from hurricanes
On FEMA’s National Risk Index, Eastpoint gets a D for hazard risk: higher expected damage per building than 91% of U.S. towns, #486 of 638 in Florida. Most of that expected damage is hurricanes (71%), then river and rain flooding (14%). FEMA’s files show no paid flood insurance claims here.
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 Eastpoint’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Eastpoint 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
Coastal flooding
Wildfire
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 Eastpoint’s grade
Hurricanes are 71% of the building damage FEMA expects in Eastpoint, and Eastpoint’s rate of hurricanes damage is in the top 4% of U.S. census tracts. Coastal flooding adds 8%, at a rate in the top 1% of U.S. census tracts.
D #486 of 638 in Florida; higher expected damage per building than 91% of U.S. towns (21,298).
All of Eastpoint’s residents live in one census tract; the figures are that tract’s.
The typical Florida town has higher expected damage than 79% of U.S. towns; within the state, Eastpoint has more expected damage per building than 76% of Florida towns.
In dollars, FEMA expects about $1.7M a year in losses across Eastpoint: $1.4M to buildings, the rest to people and crops.
Does Eastpoint flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Eastpoint. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Eastpoint isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Franklin County.5 federal disasters brought FEMA money to Eastpoint
Disasters that paid out in Eastpoint itself (aid to households or repair grants to Eastpoint), newest first, with that year’s flood claims.
- 2024Hurricane Helene81 households applied for aid$30K aid approved
- 2018Hurricane Michael508 households applied for aid$542K aid approved
- 2012Tropical Storm Debby184 households applied for aid$87K aid approved
- 2005Hurricane Dennis258 households applied for aid$153K aid approved
- 2004Hurricane Ivan21 households applied for aid$39K aid approved
Franklin County has had 36 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.
Old photos of Eastpoint after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Eastpoint archive →Get ready for what Eastpoint 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.
- Know your evacuation zone and the way off the coast.
- Storm surge comes fast: leave when you’re told, not when the water arrives.
- Move cars to high ground before king tides and nor’easters.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- 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 Eastpoint
Is Eastpoint at risk for natural disasters?
On FEMA’s National Risk Index, Eastpoint has higher expected damage per building than 91% of U.S. towns: D for hazard risk, #486 of 638 in Florida. Most of the expected damage is hurricanes (71%) and river and rain flooding (14%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Eastpoint 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 Franklin County, 43% of homes in mapped flood zones carry federal flood insurance, and 25.1% of all homes do.
How much is flood insurance in Eastpoint?
FEMA’s Community Rating System list shows no discount for Eastpoint’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 Eastpoint?
By FEMA money that reached Eastpoint, Hurricane Michael (2018): 508 households applied for aid, $542K approved.
Is Eastpoint at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (71%), and Eastpoint’s rate for it is in the top 4% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Eastpoint.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Eastpoint’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.