Photo: Connor Williams · CC BY 2.0More hazard damage per building is expected in Titusville than in 92% of U.S. towns, mostly from hurricanes
On FEMA’s National Risk Index, Titusville gets a D for hazard risk: higher expected damage per building than 92% of U.S. towns, #494 of 638 in Florida. Most of that expected damage is hurricanes (75%), then river and rain flooding (20%). Flood insurance has paid 59 claims here since 1982.
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 Titusville’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Titusville 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 Titusville’s grade
Hurricanes are 75% of the building damage FEMA expects in Titusville, and Titusville’s rate of hurricanes damage is in the top 4% of U.S. census tracts. Wildfire adds 2%, at a rate in the top 7% of U.S. census tracts.
D #494 of 638 in Florida; higher expected damage per building than 92% of U.S. towns (21,298).
Titusville’s residents live in 15 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, Titusville has more expected damage per building than 77% of Florida towns.
In dollars, FEMA expects about $27.3M a year in losses across Titusville: $24.4M to buildings, the rest to people and crops.
Does Titusville flood? Sometimes: 59 flood claims since 1982
Every paid claim on a federal flood insurance policy in Titusville, from FEMA’s records: 2.5 per 1,000 homes, fewer than 56% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Irma22 claims · $983K
- Hurricane Ian4 claims · $84K
- Hurricane Wilma2 claims · $46K
Titusville is in FEMA’s Community Rating System (class 7) for its flood-proofing work.
Insurance rates: Brevard County.14 federal disasters brought FEMA money to Titusville
Disasters that paid out in Titusville itself (aid to households or repair grants to the City of Titusville), newest first, with that year’s flood claims.
- 2024Hurricane Milton2,254 households applied for aid$1.2M aid approved$1.8M to the City of Titusville for repairs1 flood claim paid that year
- 2022Hurricane Nicole313 households applied for aid$433K aid approved$41K to the City of Titusville for repairs
- 2022Hurricane Ian2,203 households applied for aid$1.8M aid approved$237K to the City of Titusville for repairs4 flood claims paid for it, $84K
- 2019Hurricane Dorian$76K to the City of Titusville for repairs
- 2017Hurricane Irma7,202 households applied for aid$3.2M aid approved$1.1M to the City of Titusville for repairs22 flood claims paid for it, $983K
- 2016Hurricane Matthew957 households applied for aid$353K aid approved$613K to the City of Titusville for repairs1 flood claim paid for it, $4K
Show all 14
- 2008Tropical Storm Fay218 households applied for aid$39K aid approved$62K to the City of Titusville for repairs1 flood claim paid for it, $2K
- 2005Hurricane Wilma93 households applied for aid$84K aid approved$169K to the City of Titusville for repairs2 flood claims paid for it, $46K
- 2004Hurricane Jeanne1,942 households applied for aid$1.8M aid approved$460K to the City of Titusville for repairs1 flood claim paid for it, $718
- 2004Hurricane Ivan67 households applied for aid$10K aid approved
- 2004Hurricane Frances4,439 households applied for aid$3.7M aid approved$2.9M to the City of Titusville for repairs
- 2004Tropical Storm Bonnie and Hurricane Charley1,009 households applied for aid$775K aid approved$217K to the City of Titusville for repairs
- 1999Fl-hurricane Irene-dr-req$416K to the City of Titusville for repairs
- 1999Hurricane Floyd Major Disaster Declarations$132K to the City of Titusville for repairs
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 Titusville after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Titusville archive →Titusville and its neighbors
Titusville 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 |
|---|---|---|---|
| Mims | Dmore damage than 91% | hurricanes | 11 |
| Titusville | Dmore damage than 92% | hurricanes | 59 |
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 Titusville 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.
- Titusville residents get 15% off flood insurance.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Titusville
Is Titusville at risk for natural disasters?
On FEMA’s National Risk Index, Titusville has higher expected damage per building than 92% of U.S. towns: D for hazard risk, #494 of 638 in Florida. Most of the expected damage is hurricanes (75%) and river and rain flooding (20%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Titusville flood?
Flood insurance has paid 59 claims in Titusville since 1982, $2.3M in all, or 2.5 per 1,000 homes, fewer than 56% of U.S. towns with a flood insurance record. 6 properties have flooded more than once. The most claims came from Hurricane Irma (22).
Is Titusville 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 Titusville?
Titusville is in FEMA’s Community Rating System (class 7), which takes 15% off federal flood insurance policies for its flood-proofing work. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Titusville?
By FEMA money that reached Titusville, Hurricane Frances (2004): 4,439 households applied for aid, $3.7M approved, and $2.9M to the City of Titusville for repairs. By flood claims, Hurricane Irma: 22 paid, $983K.
Is Titusville at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (75%), and Titusville’s rate for it is in the top 4% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Titusville.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Titusville’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.