Photo: Premiess · CC BY-SA 4.0On FEMA’s figures, Micco faces more hazard damage per building than 96% of U.S. towns, mostly from hurricanes
On FEMA’s National Risk Index, Micco gets a D− for hazard risk: higher expected damage per building than 96% of U.S. towns, #592 of 638 in Florida. Most of that expected damage is hurricanes (68%), then river and rain flooding (30%). Flood insurance has paid 5 claims here since 2017.
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 Micco 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 Micco’s grade
Hurricanes are 68% of the building damage FEMA expects in Micco, and Micco’s rate of hurricanes damage is in the top 3% of U.S. census tracts. Next is river and rain flooding at 30% (higher than 78% of U.S. census tracts).
D− #592 of 638 in Florida; higher expected damage per building than 96% of U.S. towns (21,298).
Micco’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, Micco has more expected damage per building than 93% of Florida towns.
In dollars, FEMA expects about $4.9M a year in losses across Micco: $4.3M to buildings, the rest to people and crops.
Does Micco flood? Rarely: 5 flood claims since 2017
Every paid claim on a federal flood insurance policy in Micco, from FEMA’s records: 0.7 per 1,000 homes, fewer than 84% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Milton2 claims · $63K
- Hurricane Irma1 claim · $19K
- Hurricane Ian1 claim · $579
Micco 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.11 federal disasters brought FEMA money to Micco
Disasters that paid out in Micco itself (aid to households or repair grants to Micco), newest first, with that year’s flood claims.
- 2024Hurricane Milton44 households applied for aid$117K aid approved2 flood claims paid for it, $63K
- 2022Hurricane Nicole5 households applied for aid$600 aid approved1 flood claim paid for it, $2K
- 2022Hurricane Ian21 households applied for aid$78K aid approved1 flood claim paid for it, $579
- 2017Hurricane Irma216 households applied for aid$73K aid approved1 flood claim paid for it, $19K
- 2016Hurricane Matthew27 households applied for aid$8K aid approved
- 2008Tropical Storm Fay14 households applied for aid$10K aid approved
Show all 11
- 2005Hurricane Wilma19 households applied for aid$10K aid approved
- 2004Hurricane Jeanne620 households applied for aid$972K aid approved
- 2004Hurricane Ivan3 households applied for aid$4K aid approved
- 2004Hurricane Frances458 households applied for aid$452K aid approved
- 2004Tropical Storm Bonnie and Hurricane Charley2 households applied for aid$1K aid approved
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 Micco after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Micco archive →Micco and its neighbors
Micco is 3rd of the 4 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 |
|---|---|---|---|
| Palm Bay | Dmore damage than 94% | hurricanes | 151 |
| Grant-Valkaria | D−more damage than 95% | hurricanes | 21 |
| Micco | D−more damage than 96% | hurricanes | 5 |
| Roseland | D−more damage than 98% | hurricanes | 51 |
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 Micco 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 Micco
Is Micco at risk for natural disasters?
On FEMA’s National Risk Index, Micco has higher expected damage per building than 96% of U.S. towns: D− for hazard risk, #592 of 638 in Florida. Most of the expected damage is hurricanes (68%) and river and rain flooding (30%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Micco flood?
Flood insurance has paid 5 claims in Micco since 2017, $85K in all, or 0.7 per 1,000 homes, fewer than 84% of U.S. towns with a flood insurance record. The most claims came from Hurricane Milton (2).
Is Micco 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 Micco?
FEMA’s Community Rating System list shows no discount for Micco’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 Micco?
By FEMA money that reached Micco, Hurricane Jeanne (2004): 620 households applied for aid, $972K approved. By flood claims, Hurricane Milton: 2 paid, $63K.
Is Micco at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (68%), and Micco’s rate for it is in the top 3% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Micco.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Micco’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.