More hazard damage per building is expected in Navarre than in 90% of U.S. towns, mostly from hurricanes
On FEMA’s National Risk Index, Navarre gets a D for hazard risk: higher expected damage per building than 90% of U.S. towns, #469 of 638 in Florida. Most of that expected damage is hurricanes (73%), then river and rain flooding (21%). Flood insurance has paid 17 claims here since 2004.
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 Navarre 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 Navarre’s grade
Hurricanes are 73% of the building damage FEMA expects in Navarre, and Navarre’s rate of hurricanes damage is in the top 4% of U.S. census tracts. Coastal flooding adds 2%, at a rate in the top 4% of U.S. census tracts.
D #469 of 638 in Florida; higher expected damage per building than 90% of U.S. towns (21,298).
Navarre’s residents live in 9 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, Navarre has more expected damage per building than 73% of Florida towns.
In dollars, FEMA expects about $20.3M a year in losses across Navarre: $15.9M to buildings, the rest to people and crops.
Does Navarre flood? Sometimes: 17 flood claims since 2004
Every paid claim on a federal flood insurance policy in Navarre, from FEMA’s records: 1.1 per 1,000 homes, fewer than 76% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Sally9 claims · $524K
- The Mid-spring storms3 claims · $16K
- Hurricane Ivan2 claims · $10K
Navarre isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Santa Rosa County.6 federal disasters brought FEMA money to Navarre
Disasters that paid out in Navarre itself (aid to households or repair grants to Navarre), newest first, with that year’s flood claims.
- 2020Hurricane Sally689 households applied for aid$495K aid approved9 flood claims paid for it, $524K
- 2014Severe Storms, Tornadoes, Straight-line Winds, and Flooding249 households applied for aid$392K aid approved3 flood claims paid that year
- 2009Severe Storms, Flooding, Tornadoes, and Straight-line Winds4 households applied for aid$3K aid approved
- 2005Hurricane Dennis2,895 households applied for aid$1.6M aid approved
- 2004Hurricane Jeanne1 households applied for aid$661 aid approved
- 2004Hurricane Ivan5,744 households applied for aid$6.5M aid approved2 flood claims paid for it, $10K
Santa Rosa County has had 34 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 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Santa Rosa County, 2020–2020.
Old photos of Navarre after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Navarre archive →Navarre and its neighbors
Navarre is 2nd 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 |
|---|---|---|---|
| Midway | Dmore damage than 89% | hurricanes | 1,406 |
| Navarre | Dmore damage than 90% | hurricanes | 17 |
| Holley | Dmore damage than 91% | hurricanes | — |
| Navarre Beach | Dmore damage than 91% | hurricanes | 185 |
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 Navarre 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 Navarre
Is Navarre at risk for natural disasters?
On FEMA’s National Risk Index, Navarre has higher expected damage per building than 90% of U.S. towns: D for hazard risk, #469 of 638 in Florida. Most of the expected damage is hurricanes (73%) and river and rain flooding (21%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Navarre flood?
Flood insurance has paid 17 claims in Navarre since 2004, $681K in all, or 1.1 per 1,000 homes, fewer than 76% of U.S. towns with a flood insurance record. The most claims came from Hurricane Sally (9).
Is Navarre 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 Santa Rosa County, 67% of homes in mapped flood zones carry federal flood insurance, and 14.0% of all homes do.
How much is flood insurance in Navarre?
FEMA’s Community Rating System list shows no discount for Navarre’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 Navarre?
By FEMA money that reached Navarre, Hurricane Ivan (2004): 5,744 households applied for aid, $6.5M approved. By flood claims, Hurricane Sally: 9 paid, $524K.
Is Navarre at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (73%), and Navarre’s rate for it is in the top 4% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Navarre.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Navarre’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.