Natural hazards · Bay Hill

Bay Hill, FL natural hazards

Most of the natural-hazard damage FEMA expects in Bay Hill comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 8 claims here since 1994.

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

Expected damage

How exposed is Bay Hill?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bay Hill to be higher than in 53% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding50%Hurricanes19%Tornadoes10%Strong wind9%Cold waves8%Everything else4%

By hazard

What Bay Hill faces

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

Inland flooding

50% of expected damage

Above average · higher than 50% 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

Tornadoes

10% of expected damage

Above average · higher than 71% 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

Cold waves

8% of expected damage

Above average · higher than 71% of U.S. places

Recorded about 4 times a year in the area

Lower here

HailHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingIce stormsWinter weatherDroughtAvalanchesTsunamisVolcanic 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 Bay Hill flood?

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

8paid claims since 1994

$119Kpaid to owners

0homes flooded more than once

19942026

Biggest named events

Hurricane Charley: 1 claim, $4K
Hurricane Jeanne: 1 claim, $1K
Low pressure system: 1 claim, $7K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Bay Hill isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Orange County.

Disasters that hit Bay Hill

Federal disasters declared here

None of the disasters declared for Orange County shows FEMA aid or repair money reaching Bay Hill itself in FEMA’s records.

Brought FEMA money into Bay HillDeclared for Orange County only

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

Around Bay Hill

Bay Hill and the towns around it

Very lowLowModerateHighVery high

Bay Hillmostly inland floodingModerate

Lake Butlermostly inland floodingModerate

Doctor Phillipsmostly inland floodingModerate

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. Bay Hill covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Bay Hill’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Bay Hill. 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 Bay Hill total about $2.7M 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.