Photo: Ericje at English Wikipedia · CC BY-SA 3.0FEMA puts Indialantic’s expected hazard damage per building above that of 92% of U.S. towns, mostly from hurricanes
On FEMA’s National Risk Index, Indialantic gets a D for hazard risk: higher expected damage per building than 92% of U.S. towns, #502 of 638 in Florida. Most of that expected damage is hurricanes (82%), then river and rain flooding (15%). Flood insurance has paid 44 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 Indialantic’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Indialantic 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 Indialantic’s grade
Hurricanes are 82% of the building damage FEMA expects in Indialantic, and Indialantic’s rate of hurricanes damage is in the top 3% of U.S. census tracts. Next is river and rain flooding at 15% (lower than 86% of U.S. census tracts).
D #502 of 638 in Florida; higher expected damage per building than 92% of U.S. towns (21,298).
Indialantic’s residents live in 2 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, Indialantic has more expected damage per building than 79% of Florida towns.
In dollars, FEMA expects about $2.4M a year in losses across Indialantic: $2.3M to buildings, the rest to people and crops.
Does Indialantic flood? Sometimes: 44 flood claims since 1979
Every paid claim on a federal flood insurance policy in Indialantic, from FEMA’s records: 25.6 per 1,000 homes, more than 87% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Fay13 claims · $151K
- Hurricane Irma10 claims · $283K
- Hurricane Jeanne7 claims · $420K
Indialantic isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Brevard County.13 federal disasters brought FEMA money to Indialantic
Disasters that paid out in Indialantic itself (aid to households or repair grants to the Town of Indialantic), newest first, with that year’s flood claims.
- 2024Hurricane Milton98 households applied for aid$3K aid approved
- 2022Hurricane Nicole12 households applied for aid$6K aid approved
- 2022Hurricane Ian123 households applied for aid$64K aid approved$38K to the Town of Indialantic for repairs
- 2019Hurricane Dorian$14K to the Town of Indialantic for repairs
- 2017Hurricane Irma977 households applied for aid$350K aid approved$197K to the Town of Indialantic for repairs10 flood claims paid for it, $283K
- 2016Hurricane Matthew63 households applied for aid$34K aid approved$177K to the Town of Indialantic for repairs
Show all 13
- 2008Tropical Storm Fay33 households applied for aid$25K aid approved$26K to the Town of Indialantic for repairs13 flood claims paid for it, $151K
- 2005Hurricane Wilma13 households applied for aid$7K aid approved$5K to the Town of Indialantic for repairs
- 2004Hurricane Jeanne1,013 households applied for aid$621K aid approved$34K to the Town of Indialantic for repairs7 flood claims paid for it, $420K
- 2004Hurricane Ivan10 households applied for aid$982 aid approved1 flood claim paid for it, $5K
- 2004Hurricane Frances1,578 households applied for aid$850K aid approved$115K to the Town of Indialantic for repairs5 flood claims paid for it, $76K
- 2004Tropical Storm Bonnie and Hurricane Charley14 households applied for aid$5K aid approved
- 1999Fl-hurricane Irene-dr-req$47K to the Town of Indialantic for repairs1 flood claim paid that year
Brevard County has had 29 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 4 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Brevard County, 1999–2008.
Old photos of Indialantic after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Indialantic archive →Indialantic and its neighbors
Indialantic 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 |
|---|---|---|---|
| Melbourne Beach | Dmore damage than 92% | hurricanes | 50 |
| Indialantic | Dmore damage than 92% | hurricanes | 44 |
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 Indialantic 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.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Indialantic
Is Indialantic at risk for natural disasters?
On FEMA’s National Risk Index, Indialantic has higher expected damage per building than 92% of U.S. towns: D for hazard risk, #502 of 638 in Florida. Most of the expected damage is hurricanes (82%) and river and rain flooding (15%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Indialantic flood?
Flood insurance has paid 44 claims in Indialantic since 1979, $1.0M in all, or 25.6 per 1,000 homes, more than 87% of U.S. towns with a flood insurance record. 7 properties have flooded more than once. The most claims came from Tropical Storm Fay (13).
Is Indialantic 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 Brevard County, 47% of homes in mapped flood zones carry federal flood insurance, and 11.8% of all homes do.
How much is flood insurance in Indialantic?
FEMA’s Community Rating System list shows no discount for Indialantic’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 Indialantic?
By FEMA money that reached Indialantic, Hurricane Frances (2004): 1,578 households applied for aid, $850K approved, and $115K to the Town of Indialantic for repairs. By flood claims, Tropical Storm Fay: 13 paid, $151K.
Is Indialantic at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (82%), and Indialantic’s rate for it is in the top 3% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Indialantic.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Indialantic’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.