Natural hazards · Bithlo

Bithlo, FL natural hazards

Most of the natural-hazard damage FEMA expects in Bithlo comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 4 claims here since 2017. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Bithlo?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bithlo to be higher than in 46% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding36%Hurricanes19%Cold waves14%Tornadoes12%Strong wind7%Wildfire6%Everything else5%

By hazard

What Bithlo faces

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

Inland flooding

36% of expected damage

Below average · higher than 31% of U.S. places

Recorded about once every 3 years in the area

Hurricanes

19% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about once every 4 years in the area

Cold waves

14% of expected damage

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

Recorded about 4 times a year in the area

Tornadoes

12% of expected damage

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

Strong wind

7% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once a year in the area

Wildfire

6% of expected damage

Well above average · higher than 94% of U.S. places

Lower here

HailHeat wavesEarthquakesLandslidesLightning

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 Bithlo flood?

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

4paid claims since 2017

$59Kpaid to owners

0homes flooded more than once

20172026

Biggest named events

Hurricane Irma: 2 claims, $4K
Hurricane Ian: 2 claims, $55K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Bithlo 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 Bithlo

1 federal disaster brought FEMA money here

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

Brought FEMA money into BithloDeclared for Orange County only

2017

Hurricane Irma

8 households applied for aid $9K aid approved

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

Around Bithlo

Bithlo and the towns around it

Very lowLowModerateHighVery high

Christmasmostly inland floodingHigh

Alafayamostly inland floodingModerate

Bithlomostly 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. Bithlo covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Bithlo’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Bithlo. 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 Bithlo total about $372K 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.