While Palm Coast is less exposed to direct hurricane landfalls compared to South Florida, it remains at risk from storm surges and wind damage, particularly in low-lying areas near the Intracoastal Waterway and the St. Johns River. Homeowners in high-risk flood zones are required to carry flood insurance, and the area has seen significant property damage from past storms, including $73 million from Tropical Storm Matthew in 2016. The risk of future storms underscores the importance of preparedness and adequate insurance coverage.