Natural hazards · Apopka

Apopka, FL natural hazards

Most of the natural-hazard damage FEMA expects in Apopka comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 2 claims here since 2009. 9 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Apopka?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Apopka to be higher than in 49% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding39%Hurricanes19%Cold waves12%Tornadoes12%Strong wind9%Everything else9%

By hazard

What Apopka faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

39% of expected damage

Below average · higher than 37% of U.S. places

Recorded about once every 3 years in the area

Hurricanes

19% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about once every 4 years in the area

Cold waves

12% of expected damage

Above average · higher than 72% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

12% of expected damage

Above average · higher than 70% of U.S. places

Strong wind

9% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about once a year in the area

Lower here

HailHeat wavesWildfireEarthquakesLandslidesLightningDrought

Not a risk here

Coastal floodingIce stormsWinter weatherAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Apopka flood?

Every paid claim on a federal flood insurance policy in Apopka, from FEMA’s records.

2paid claims since 2009

$42Kpaid to owners

0homes flooded more than once

20092026

Biggest named events

Hurricane Irma: 1 claim, $42K
Low pressure system: 1 claim, $430

of homes in flood zones
are insured

of all homes
are insured

🏷️ 10% off flood insurance. Apopka is in FEMA’s Community Rating System (class 8) for its flood-proofing work.

Insurance rates: Orange County.

What’s been done with FEMA grants

10buildings retrofitted against wind

Disasters that hit Apopka

9 federal disasters brought FEMA money here

Disasters the President declared that paid out in Apopka itself: aid to households, or repair grants to the City of Apopka.

Brought FEMA money into ApopkaDeclared for Orange County only

2024

Hurricane Milton

8,416 households applied for aid $3.1M aid approved $1.6M to the City of Apopka for repairs

2022

Hurricane Ian

6,399 households applied for aid $3.5M aid approved $1.4M to the City of Apopka for repairs

2017

Hurricane Irma

14,101 households applied for aid $4.6M aid approved $2.7M to the City of Apopka for repairs

2016

Hurricane Matthew

10 households applied for aid $104K to the City of Apopka for repairs

2008

Tropical Storm Fay

80 households applied for aid $33K aid approved

2004

Hurricane Jeanne

2,863 households applied for aid $2.6M aid approved $446K to the City of Apopka for repairs

2004

Hurricane Ivan

92 households applied for aid $2K aid approved

2004

Hurricane Frances

2,265 households applied for aid $2.0M aid approved $317K to the City of Apopka for repairs

2004

Tropical Storm Bonnie and Hurricane Charley

1,104 households applied for aid $911K aid approved $139K to the City of Apopka for repairs

Orange County has had 30 natural disasters declared since 1953, most often hurricanes and fires.

Around Apopka

Apopka and the towns around it

Very lowLowModerateHighVery high

Clarconamostly inland floodingHigh

Paradise Heightsmostly inland floodingHigh

Zellwoodmostly inland floodingModerate

Apopkamostly inland floodingModerate

South Apopkamostly inland floodingLow

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Apopka covers 11 census tracts, combined by population.

Money that reached townFlood claims are matched to Apopka’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Apopka. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Apopka total about $17.1M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); 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. Census tracts: U.S. Census Bureau.