Updated May 2026
Flood Risk in Big Cypress Indian Reservation, FL
Big Cypress Indian Reservation, FL has a Flood Risk Score of 16/100 (Grade A), ranking #464 of 3,277 counties nationwide. The risk level is Low. There have been 0 NFIP flood-insurance claims totaling $0 in payouts, with 16 federal disaster declarations on record.
Key Data
What the Grade Means Here
Big Cypress Indian Reservation sits in the lowest-risk tier in the FEMA dataset — composite score 16, ranked #464 of 3,277 counties (where #1 is the riskiest). The county has logged 0 NFIP flood-insurance claims and 16 federal flood-related disaster declarations to date. An A grade does not mean zero risk: flash floods, sewer backups, and rare extreme storms can still cause loss, and FEMA reports more than 25% of all NFIP payouts originate from properties outside Special Flood Hazard Areas.
Within Florida, Big Cypress Indian Reservation runs 7 points below the state average composite score of 23 — meaningfully less flood-exposed than the typical county in the state. Rank: #58 of 68. The full Florida state profile shows how every county within the state compares.
What's Driving the Risk Score?
The single biggest driver of the composite score in this county is federal disaster frequency (25% of the formula, factor score 34). For Big Cypress Indian Reservation, that means the cadence of federally declared flood-related disasters dominates — large enough events to exceed state and local response capacity have repeated multiple times.
The trend factor sits at 50 of 100 — a moderate signal that recent NFIP claim volume in this county has not been markedly worse than the long-run average. Watch for shifts after major storm seasons.
Score Breakdown
| Factor | Score | Weight |
|---|---|---|
| Claims Density | 0 | 40% |
| Disaster Frequency | 34 | 25% |
| Claim Severity | 0 | 20% |
| Year-over-Year Trend | 50 | 15% |
How This Score Is Calculated
The composite is a weighted average of four FEMA-derived factors. Source data comes from the public FEMA flood-mapping program via the OpenFEMA API. For property-level decisions, layer this with the parcel's FEMA Flood Insurance Rate Map zone and recent crest readings from USGS Water Data. Full math: methodology page.
Frequently Asked Questions
What is the flood risk in Big Cypress Indian Reservation, FL?
Big Cypress Indian Reservation, FL has a Flood Risk Score of 16/100 (Grade A), ranking #464 of 3,277 counties nationwide. The risk level is Low. There have been 0 NFIP flood-insurance claims totaling $0 in payouts, with 16 federal disaster declarations on record.
Is flood insurance required in Big Cypress Indian Reservation?
Federal law requires flood insurance for any property in a Special Flood Hazard Area (FEMA Zone A or V) financed by a federally regulated lender. Big Cypress Indian Reservation's county-wide composite score is 16 (Grade A), which is a county aggregate — your specific parcel's flood-zone designation comes from the FEMA Flood Insurance Rate Map (FIRM) at fema.gov/flood-maps. Even when not legally required, NFIP coverage is often available for a few hundred dollars a year in moderate- and low-risk zones, and FEMA reports more than 25% of all NFIP claims come from outside high-risk zones.
What is driving the flood risk score in Big Cypress Indian Reservation?
The single biggest driver of the composite score in this county is federal disaster frequency (25% of the formula, factor score 34). For Big Cypress Indian Reservation, that means the cadence of federally declared flood-related disasters dominates — large enough events to exceed state and local response capacity have repeated multiple times.
Is flood risk increasing or decreasing in Big Cypress Indian Reservation?
The trend factor sits at 50 of 100 — a moderate signal that recent NFIP claim volume in this county has not been markedly worse than the long-run average. Watch for shifts after major storm seasons.
How does Big Cypress Indian Reservation compare to other counties in Florida?
Within Florida, Big Cypress Indian Reservation runs 7 points below the state average composite score of 23 — meaningfully less flood-exposed than the typical county in the state. Rank: #58 of 68.
Where does this data come from?
Every figure on this page comes from FEMA's public OpenFEMA API — the DisasterDeclarationsSummaries v2 endpoint (federally declared flood-related disasters) and the FimaNfipClaims endpoint (individual NFIP flood-insurance claims aggregated by county FIPS code). Both are public-domain U.S. government work. Real-time stream-gauge readings that complement these federal aggregates live at USGS Water Data. Last updated 2026-05-16.
Big Cypress Indian Reservation, FL has a Flood Risk Score of 16/100 (Grade A), ranking #464 of 3,277 counties nationwide. The risk level is Low. There have been 0 NFIP flood-insurance claims totaling $0 in payouts, with 16 federal disaster declarations on record.
The data source behind this answer is FEMA OpenFEMA datasets including the National Flood Hazard Layer and NFIP claims. Every figure on the page traces back to that source; the methodology page describes the inputs and the refresh cadence in full detail.
A practical caveat: the headline answer above reflects the most recent FEMA OpenFEMA datasets including the National Flood Hazard Layer and NFIP claims vintage; underlying data is often revised for months after first publication, and the right reference for any specific decision is whichever vintage is current at the time of the decision. The as-of date is stamped on every page.