Photo: Michael Rivera · CC BY-SA 4.0Storms, floods and disasters in Jakin
Jakin isn’t graded for hazard risk: Jakin has 155 residents; we grade towns of 1,000 or more. Flood insurance has paid 6 claims here since 2013.
What Jakin 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.
Does Jakin flood? Rarely: 6 flood claims since 2013
Every paid claim on a federal flood insurance policy in Jakin, from FEMA’s records.
- Hurricane Michael3 claims · $248K
Jakin isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Early County.3 federal disasters brought FEMA money to Jakin
Disasters that paid out in Jakin itself (aid to households or repair grants to the City of Jakin), newest first, with that year’s flood claims.
- 2018Hurricane Michael227 households applied for aid$136K aid approved3 flood claims paid for it, $248K
- 2009Severe Storms, Flooding, Tornadoes, and Straight-line Winds15 households applied for aid$45K aid approved
- 2004Hurricane Ivan2 households applied for aid$2K aid approved
Early County has had 10 natural disasters declared by the President since 1953, most often severe storms, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Jakin after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Jakin archive →Get ready for what Jakin 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 Jakin
Does Jakin flood?
Flood insurance has paid 6 claims in Jakin since 2013, $275K in all. 1 properties have flooded more than once. The most claims came from Hurricane Michael (3).
Is Jakin 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 Early County, 14% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Jakin?
FEMA’s Community Rating System list shows no discount for Jakin’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 Jakin?
By FEMA money that reached Jakin, Hurricane Michael (2018): 227 households applied for aid, $136K approved. By flood claims, Hurricane Michael: 3 paid, $248K.
Storm stories
Memories, warnings and help from neighbors in Jakin.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Jakin’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.