Photo: The Bushranger · CC BY-SA 4.0On FEMA’s figures, Woodville faces more hazard damage per building than 88% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Woodville gets a D for hazard risk: higher expected damage per building than 88% of U.S. towns, #406 of 638 in Florida. Most of that expected damage is river and rain flooding (55%), then hurricanes (37%). Flood insurance has paid 11 claims here since 1985.
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 Woodville 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 Woodville’s grade
River and rain flooding is 55% of the building damage FEMA expects in Woodville, and Woodville’s rate of river and rain flooding damage is higher than 81% of U.S. census tracts. Hurricanes add 37%, at a rate in the top 8% of U.S. census tracts.
D #406 of 638 in Florida; higher expected damage per building than 88% of U.S. towns (21,298).
Woodville’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, Woodville has more expected damage per building than 64% of Florida towns.
In dollars, FEMA expects about $1.8M a year in losses across Woodville: $1.2M to buildings, the rest to people and crops.
Does Woodville flood? Sometimes: 11 flood claims since 1985
Every paid claim on a federal flood insurance policy in Woodville, from FEMA’s records: 7.4 per 1,000 homes, more than 68% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Fay3 claims · $25K
- Hurricane Kate1 claim · $3K
- Hurricane Ike1 claim · $4K
Woodville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Leon County.5 federal disasters brought FEMA money to Woodville
Disasters that paid out in Woodville itself (aid to households or repair grants to Woodville), newest first, with that year’s flood claims.
- 2024Severe Storms, Straight-line Winds, and Tornadoes13 households applied for aid$69K aid approved1 flood claim paid that year
- 2018Hurricane Michael15 households applied for aid$3K aid approved
- 2016Hurricane Hermine21 households applied for aid$29K aid approved
- 2008Tropical Storm Fay3 households applied for aid$967 aid approved3 flood claims paid for it, $25K
- 2004Hurricane Ivan2 households applied for aid$2K aid approved
Leon County has had 25 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 Leon County, 1999–1999.
Old photos of Woodville after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Woodville archive →Get ready for what Woodville 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 Woodville
Is Woodville at risk for natural disasters?
On FEMA’s National Risk Index, Woodville has higher expected damage per building than 88% of U.S. towns: D for hazard risk, #406 of 638 in Florida. Most of the expected damage is river and rain flooding (55%) and hurricanes (37%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Woodville flood?
Flood insurance has paid 11 claims in Woodville since 1985, $50K in all, or 7.4 per 1,000 homes, more than 68% of U.S. towns with a flood insurance record. The most claims came from Tropical Storm Fay (3).
Is Woodville 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 Leon County, 40% of homes in mapped flood zones carry federal flood insurance, and 2.7% of all homes do.
How much is flood insurance in Woodville?
FEMA’s Community Rating System list shows no discount for Woodville’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 Woodville?
By FEMA money that reached Woodville, Severe Storms, Straight-line Winds, and Tornadoes (2024): 13 households applied for aid, $69K approved. By flood claims, Tropical Storm Fay: 3 paid, $25K.
Is Woodville at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (55%), and Woodville’s rate for it is higher than 81% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Woodville.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Woodville’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.