On FEMA’s figures, Nassau Village-Ratliff faces more hazard damage per building than 82% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Nassau Village-Ratliff gets a C− for hazard risk: higher expected damage per building than 82% of U.S. towns, #347 of 638 in Florida. Most of that expected damage is river and rain flooding (76%), then hurricanes (18%). Flood insurance has paid 15 claims here since 2008.
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 Nassau Village-Ratliff 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 Nassau Village-Ratliff’s grade
River and rain flooding is 76% of the building damage FEMA expects in Nassau Village-Ratliff, and Nassau Village-Ratliff’s rate of river and rain flooding damage is higher than 85% of U.S. census tracts. Next is hurricanes at 18% (higher than 87% of U.S. census tracts).
C− #347 of 638 in Florida; higher expected damage per building than 82% of U.S. towns (21,298).
Nassau Village-Ratliff’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, Nassau Village-Ratliff has more expected damage per building than 54% of Florida towns.
In dollars, FEMA expects about $1.2M a year in losses across Nassau Village-Ratliff: $935K to buildings, the rest to people and crops.
Does Nassau Village-Ratliff flood? Sometimes: 15 flood claims since 2008
Every paid claim on a federal flood insurance policy in Nassau Village-Ratliff, from FEMA’s records: 7.0 per 1,000 homes, more than 67% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Irma13 claims · $718K
- Tropical Storm Fay2 claims · $63K
Nassau Village-Ratliff isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Nassau County.The storms Nassau Village-Ratliff remembers
None of the 26 disasters declared for Nassau County shows FEMA aid or repair money reaching Nassau Village-Ratliff itself in FEMA’s records, so these are its biggest flood-claim years.
- 201713 flood claims paidThe year of Hurricane Irma, declared for Nassau County
- 20082 flood claims paidThe year of Tropical Storm Fay, declared for Nassau County
Nassau County has had 26 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 Nassau County, 1999–2000.
Old photos of Nassau Village-Ratliff after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Nassau Village-Ratliff archive →Nassau Village-Ratliff and its neighbors
Nassau Village-Ratliff 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 |
|---|---|---|---|
| Jacksonville | C+more damage than 56% | river and rain flooding | 3,865 |
| Nassau Village-Ratliff | C−more damage than 82% | river and rain flooding | 15 |
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 Nassau Village-Ratliff 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 Nassau Village-Ratliff
Is Nassau Village-Ratliff at risk for natural disasters?
On FEMA’s National Risk Index, Nassau Village-Ratliff has higher expected damage per building than 82% of U.S. towns: C− for hazard risk, #347 of 638 in Florida. Most of the expected damage is river and rain flooding (76%) and hurricanes (18%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Nassau Village-Ratliff flood?
Flood insurance has paid 15 claims in Nassau Village-Ratliff since 2008, $781K in all, or 7.0 per 1,000 homes, more than 67% of U.S. towns with a flood insurance record. The most claims came from Hurricane Irma (13).
Is Nassau Village-Ratliff 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 Nassau County, 61% of homes in mapped flood zones carry federal flood insurance, and 16.1% of all homes do.
How much is flood insurance in Nassau Village-Ratliff?
FEMA’s Community Rating System list shows no discount for Nassau Village-Ratliff’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 Nassau Village-Ratliff?
By flood claims, Hurricane Irma: 13 paid, $718K.
Is Nassau Village-Ratliff at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (76%), and Nassau Village-Ratliff’s rate for it is higher than 85% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Nassau Village-Ratliff.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Nassau Village-Ratliff’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.