Mount Olive Missionary Baptist Church · Photo: Ebyabe · CC BY-SA 3.0Yulee’s building-damage rate from coastal flooding is in the top 3% of U.S. census tracts
On FEMA’s National Risk Index, Yulee gets a B− for hazard risk: lower expected damage per building than 51% of U.S. towns, #36 of 638 in Florida. Most of that expected damage is river and rain flooding (47%), then hurricanes (35%). Flood insurance has paid 1 claim here since 2017.
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 Yulee 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
Wildfire
Coastal 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 Yulee’s grade
River and rain flooding is 47% of the building damage FEMA expects in Yulee, and Yulee’s rate of river and rain flooding damage is lower than 71% of U.S. census tracts. Wildfire adds 6%, at a rate in the top 7% of U.S. census tracts.
B− #36 of 638 in Florida; lower expected damage per building than 51% of U.S. towns (21,298).
Yulee’s residents live in 5 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, Yulee has less expected damage per building than 95% of Florida towns.
In dollars, FEMA expects about $3.0M a year in losses across Yulee: $2.4M to buildings, the rest to people and crops.
Does Yulee flood? Rarely: 1 flood claim since 2017
Every paid claim on a federal flood insurance policy in Yulee, from FEMA’s records: 0.2 per 1,000 homes, fewer than 98% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Irma1 claim · $92K
Yulee 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.6 federal disasters brought FEMA money to Yulee
Disasters that paid out in Yulee itself (aid to households or repair grants to Yulee), newest first, with that year’s flood claims.
- 2017Hurricane Irma1,794 households applied for aid$711K aid approved1 flood claim paid for it, $92K
- 2016Hurricane Matthew156 households applied for aid$67K aid approved
- 2012Tropical Storm Debby18 households applied for aid$14K aid approved
- 2008Tropical Storm Fay20 households applied for aid$5K aid approved
- 2004Hurricane Jeanne45 households applied for aid$31K aid approved
- 2004Hurricane Frances64 households applied for aid$43K aid approved
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 Yulee after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Yulee archive →Get ready for what Yulee 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.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- Know your evacuation zone and the way off the coast.
- Storm surge comes fast: leave when you’re told, not when the water arrives.
- Move cars to high ground before king tides and nor’easters.
- 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 Yulee
Is Yulee at risk for natural disasters?
On FEMA’s National Risk Index, Yulee has lower expected damage per building than 51% of U.S. towns: B− for hazard risk, #36 of 638 in Florida. Most of the expected damage is river and rain flooding (47%) and hurricanes (35%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Yulee flood?
Flood insurance has paid 1 claim in Yulee since 2017, $92K in all, or 0.2 per 1,000 homes, fewer than 98% of U.S. towns with a flood insurance record. The most claims came from Hurricane Irma (1).
Is Yulee 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 Yulee?
FEMA’s Community Rating System list shows no discount for Yulee’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 Yulee?
By FEMA money that reached Yulee, Hurricane Irma (2017): 1,794 households applied for aid, $711K approved. By flood claims, Hurricane Irma: 1 paid, $92K.
Is Yulee at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (47%), and Yulee’s rate for it is lower than 71% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Yulee.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Yulee’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.