TownTapestry
Sign inJoin
Belle IsleGood evening
Natural hazards · Belle Isle

Belle Isle, FL natural hazards

Most of the natural-hazard damage FEMA expects in Belle Isle comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 5 claims here since 2017. 6 federal disasters brought FEMA money into town.

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

How exposed is Belle Isle?

58
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Belle Isle to be higher than in 58% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding53%Hurricanes18%Tornadoes9%Cold waves9%Strong wind7%Everything else4%
By hazard

What Belle Isle faces

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

Inland flooding

53% of expected damage
Above average · higher than 60% of U.S. places
Recorded about once every 3 years in the area

Hurricanes

18% of expected damage
Well above average · higher than 86% of U.S. places
Recorded about once every 4 years in the area

Tornadoes

9% of expected damage
Above average · higher than 67% of U.S. places

Cold waves

9% of expected damage
Above average · higher than 72% of U.S. places
Recorded about 4 times a year in the area

Strong wind

7% of expected damage
Well above average · higher than 97% of U.S. places
Recorded about once 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 Belle Isle flood?

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

5paid claims since 2017
$467Kpaid to owners
1homes flooded more than once
20172026

Biggest named events

  • Hurricane Ian: 4 claims, $457K
  • Hurricane Irma: 1 claim, $9K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Belle Isle 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.

What’s been done with FEMA grants

2buildings retrofitted against wind
Disasters that hit Belle Isle

6 federal disasters brought FEMA money here

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

Brought FEMA money into Belle IsleDeclared for Orange County only
2024

Hurricane Milton

46 households applied for aid $3K aid approved $373K to the City of Belle Isle for repairs
2022

Hurricane Ian

137 households applied for aid $124K aid approved $1.5M to the City of Belle Isle for repairs
2017

Hurricane Irma

289 households applied for aid $62K aid approved $1.7M to the City of Belle Isle for repairs
2004

Hurricane Jeanne

15 households applied for aid $4K aid approved $362K to the City of Belle Isle for repairs
2004

Hurricane Frances

10 households applied for aid $6K aid approved $686K to the City of Belle Isle for repairs
2004

Tropical Storm Bonnie and Hurricane Charley

94 households applied for aid $43K aid approved $1.6M to the City of Belle Isle for repairs
Orange County has had 30 natural disasters declared since 1953, most often hurricanes and fires.
Around Belle Isle

Belle Isle and the towns around it

Conway: Moderate, mostly inland floodingPine Castle: Low, mostly inland floodingEdgewood: High, mostly inland floodingOrlando: Moderate, mostly inland floodingSky Lake: High, mostly inland floodingHolden Lakes: Moderate, mostly inland floodingFairview Shores: Low, mostly inland floodingAzalea Park: Moderate, mostly inland floodingPine Hills: High, mostly inland floodingWinter Park: Moderate, mostly inland floodingTaft: Low, mostly inland floodingOak Ridge: High, mostly inland floodingDoctor Phillips: Moderate, mostly inland floodingLake Hart: High, mostly inland floodingOrlovista: Moderate, mostly inland floodingAlafaya: Moderate, mostly inland floodingBelle Isle: Moderate, mostly inland flooding Belle IsleConwayPine CastleEdgewoodOrlando
Very lowLowModerateHighVery high
Edgewoodmostly inland floodingHigh
Belle Islemostly inland floodingModerate
Conwaymostly inland floodingModerate
Orlandomostly inland floodingModerate
Pine Castlemostly 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. Belle Isle covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Belle Isle’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Belle Isle. 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 Belle Isle total about $4.8M 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.

The porch light’s on

Where to, neighbor?

You’re in Belle Isle, FLView boundary

Nearby

All towns & citiesExplore the map

Local begins with a boundary.

See what belongs to your selected town.

Loading boundary…

Belle Isle is your selected town. The feed includes posts assigned to this town, not a distance radius or ZIP code.

Neighborhoods narrow the feed further, while townwide announcements, events, and issues remain visible.

Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
Open detailed map