Natural hazards · Celebration

Celebration, FL natural hazards

Most of the natural-hazard damage FEMA expects in Celebration comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 2022. 6 federal disasters brought FEMA money into town.

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

How exposed is Celebration?

73
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Celebration to be higher than in 73% of U.S. communities, mostly from inland flooding and strong winds.

Inland flooding44%Strong wind27%Hurricanes16%Tornadoes8%Everything else5%
By hazard

What Celebration faces

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

Inland flooding

44% of expected damage
Above average · higher than 63% of U.S. places
Recorded about once every 2 years in the area

Strong wind

27% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about once a year in the area

Hurricanes

16% of expected damage
Well above average · higher than 85% of U.S. places
Recorded about once every 4 years in the area

Tornadoes

8% of expected damage
Above average · higher than 73% of U.S. places

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 Celebration flood?

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

1paid claims since 2022
$4Kpaid to owners
0homes flooded more than once
20222026

Biggest named events

  • Hurricane Ian: 1 claim, $4K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Celebration isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Osceola County.

What’s been done with FEMA grants

6buildings retrofitted against wind
Disasters that hit Celebration

6 federal disasters brought FEMA money here

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

Brought FEMA money into CelebrationDeclared for Osceola County only
2024

Hurricane Milton

18 households applied for aid
2022

Hurricane Ian

24 households applied for aid $15K aid approved
2017

Hurricane Irma

81 households applied for aid $11K aid approved
2004

Hurricane Jeanne

5 households applied for aid
2004

Hurricane Frances

10 households applied for aid $2K aid approved
2004

Tropical Storm Bonnie and Hurricane Charley

7 households applied for aid $564 aid approved
Osceola County has had 29 natural disasters declared since 1953, most often hurricanes and fires.
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. Celebration covers 3 census tracts, combined by population.
Money that reached townFlood claims are matched to Celebration’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Celebration. 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 Celebration total about $8.0M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/19 · 2025-01-01