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Quincy City HallPhoto: Michael Rivera · CC BY-SA 4.0
C+Hazard risk
Natural hazards in Quincy · FEMA

More hazard damage per building is expected in Quincy than in 64% of U.S. towns, led by hurricanes

On FEMA’s National Risk Index, Quincy gets a C+ for hazard risk: higher expected damage per building than 64% of U.S. towns, #108 of 638 in Florida. Most of that expected damage is hurricanes (49%), then river and rain flooding (42%). Flood insurance has paid 3 claims here since 1991.

Hurricanes 49%River and rain flooding 42%Tornadoes 6%

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

more than 64%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#108 of 638 in Florida
Hazard risk
C+#108 of 638
in Florida · higher than 64% of U.S. towns
Main hazard
Hurricanes
49% of expected building damage
Flood claims
3
paid since 1991 · $18K
Disasters paid out here
9
of 28 declared for Gadsden County
By hazard

What Quincy faces

Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.

Hurricanes

49%of expected building damage
Well above average · in the top 9% of U.S. census tracts
Recorded about once every 4 years in the area

River and rain flooding

42%of expected building damage
Below average · lower than 68% of U.S. census tracts
Recorded about once every 2 years in the area

Tornadoes

6%of expected building damage
Above average · higher than 69% of U.S. census tracts
Smaller shares here
 Wildfire Earthquakes Strong wind Lightning Hail Winter storms Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingIce stormsAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 14% of Quincy’s expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Quincy’s grade

Hurricanes are 49% of the building damage FEMA expects in Quincy, and Quincy’s rate of hurricanes damage is in the top 9% of U.S. census tracts. Next is river and rain flooding at 42% (lower than 68% of U.S. census tracts).

Where Quincy sits
Quincy
Least damageMiddleMost damage

C+ #108 of 638 in Florida; higher expected damage per building than 64% of U.S. towns (21,298).

Quincy’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
Hurricanes49%River and rain flooding42%Tornadoes6%Everything else3%

The typical Florida town has higher expected damage than 79% of U.S. towns; within the state, Quincy has less expected damage per building than 83% of Florida towns.

In dollars, FEMA expects about $3.4M a year in losses across Quincy: $2.1M to buildings, the rest to people and crops.

Recent disaster.FEMA’s model looks at expected damage to the buildings standing today. After Hurricane Michael in 2018, FEMA took 3,951 aid registrations from Quincy addresses (the town has 3,186 homes).
A small-area figure. Quincy covers 3 census tracts, combined by where residents live. FEMA’s model is an average year for today’s buildings, not a record: the claims and disasters below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Quincy flood? Rarely: 3 flood claims since 1991

Every paid claim on a federal flood insurance policy in Quincy, from FEMA’s records: 0.9 per 1,000 homes, fewer than 79% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1991: 1 claim1992: 0 claims1993: 0 claims1994: 0 claims1995: 0 claims1996: 0 claims1997: 0 claims1998: 1 claim1999: 0 claims2000: 0 claims2001: 1 claim2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims199119982001
19912026
Biggest named events
  • Hurricane Georges (Panhandle)1 claim · $13K
3
paid claims since 1991
$18K
paid to owners
0
homes flooded more than once
$6K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Quincy isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Gadsden County.
What’s been done with FEMA grants
3flood-prone properties bought out and cleared
1storm safe room built
Disasters

9 federal disasters brought FEMA money to Quincy

Disasters that paid out in Quincy itself (aid to households or repair grants to the City of Quincy), newest first, with that year’s flood claims.

  1. 2024Hurricane Helene$7K to the City of Quincy for repairs
  2. 2020Hurricane Sally$75K to the City of Quincy for repairs
  3. 2018Hurricane Michael3,951 households applied for aid$2.1M aid approved$4.7M to the City of Quincy for repairs
  4. 2017Hurricane Irma$111K to the City of Quincy for repairs
  5. 2009Severe Storms, Flooding, Tornadoes, and Straight-line Winds$48K to the City of Quincy for repairs
  6. 2008Tropical Storm Fay114 households applied for aid$99K aid approved$134K to the City of Quincy for repairs
Show all 9
  1. 2005Hurricane Dennis$43K to the City of Quincy for repairs
  2. 2004Hurricane Ivan68 households applied for aid$145K aid approved$269K to the City of Quincy for repairs
  3. 2004Hurricane Frances$29K to the City of Quincy for repairs
Disasters declared, by decade
Paid out in QuincyGadsden County only

Gadsden County has had 28 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.

Were you here?

Old photos of Quincy after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Quincy archive →
Be ready

Get ready for what Quincy faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

Hurricane season
  • 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.
More from Ready.gov ↗
When the river rises
  • 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.
More from Ready.gov ↗
Tornado warnings
  • Pick your spot now: the lowest floor, an inside room, no windows.
  • A watch means be ready; a warning means take cover now.
  • Keep shoes and a flashlight by the bed.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Quincy

Is Quincy at risk for natural disasters?

On FEMA’s National Risk Index, Quincy has higher expected damage per building than 64% of U.S. towns: C+ for hazard risk, #108 of 638 in Florida. Most of the expected damage is hurricanes (49%) and river and rain flooding (42%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Quincy flood?

Flood insurance has paid 3 claims in Quincy since 1991, $18K in all, or 0.9 per 1,000 homes, fewer than 79% of U.S. towns with a flood insurance record. The most claims came from Hurricane Georges (Panhandle) (1).

Is Quincy 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 Gadsden County, 11% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.

How much is flood insurance in Quincy?

FEMA’s Community Rating System list shows no discount for Quincy’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 Quincy?

By FEMA money that reached Quincy, Hurricane Michael (2018): 3,951 households applied for aid, $2.1M approved, and $4.7M to the City of Quincy for repairs. By flood claims, Hurricane Georges (Panhandle): 1 paid, $13K.

Is Quincy at risk from hurricanes?

It is the largest share of the building damage FEMA expects here (49%), and Quincy’s rate for it is in the top 9% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Quincy.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Quincy’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.