Natural hazards · Black Hammock

Black Hammock, FL natural hazards

Most of the natural-hazard damage FEMA expects in Black Hammock comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 47 claims here since 1994.

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

Expected damage

How exposed is Black Hammock?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Black Hammock to be higher than in 65% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding47%Hurricanes18%Tornadoes14%Strong wind13%Everything else8%

By hazard

What Black Hammock faces

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

Inland flooding

47% of expected damage

Above average · higher than 74% of U.S. places

Recorded about once every 2 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

14% of expected damage

Above average · higher than 69% of U.S. places

Strong wind

13% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once a year in the area

Lower here

HailCold wavesHeat 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 Black Hammock flood?

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

47paid claims since 1994

$2.7Mpaid to owners

0homes flooded more than once

19942026

Biggest named events

Hurricane Ian: 16 claims, $1.6M
Tropical Storm Fay: 14 claims, $422K
Hurricane Irma: 7 claims, $419K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Seminole County.

Disasters that hit Black Hammock

Federal disasters declared here

None of the disasters declared for Seminole County shows FEMA aid or repair money reaching Black Hammock itself in FEMA’s records.

Brought FEMA money into Black HammockDeclared for Seminole County only

Seminole County has had 29 natural disasters declared since 1953, most often hurricanes and freezes.

Around Black Hammock

Black Hammock and the towns around it

Very lowLowModerateHighVery high

Winter Springsmostly inland floodingHigh

Black Hammockmostly inland floodingHigh

Oviedomostly 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. Black Hammock covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Black Hammock’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Black Hammock. 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 Black Hammock total about $2.8M 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.