TownTapestry
Sign inJoin
ChuluotaGood afternoon
Natural hazards · Chuluota

Chuluota, FL natural hazards

Most of the natural-hazard damage FEMA expects in Chuluota comes from inland flooding, and overall the risk is moderate for a U.S. community. 8 federal disasters brought FEMA money into town.

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

How exposed is Chuluota?

58
Moderate
vs. U.S. communities

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

Inland flooding47%Hurricanes18%Tornadoes17%Wildfire7%Strong wind7%Everything else4%
By hazard

What Chuluota 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 58% 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

17% of expected damage
Above average · higher than 71% of U.S. places
Recorded about once every 42 years in the area

Wildfire

7% of expected damage
Well above average · higher than 95% of U.S. places

Strong wind

7% of expected damage
Well above average · higher than 87% of U.S. places
Recorded about once a year in the area

Lower here

HailCold wavesHeat wavesEarthquakesLandslidesLightningDrought

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 Chuluota flood?

FEMA's records show no paid flood insurance claims in Chuluota.

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

What’s been done with FEMA grants

1buildings retrofitted against wind
Disasters that hit Chuluota

8 federal disasters brought FEMA money here

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

Brought FEMA money into ChuluotaDeclared for Seminole County only
2024

Hurricane Milton

93 households applied for aid $32K aid approved
2022

Hurricane Ian

224 households applied for aid $136K aid approved
2017

Hurricane Irma

604 households applied for aid $128K aid approved
2016

Hurricane Matthew

8 households applied for aid $365 aid approved
2008

Tropical Storm Fay

26 households applied for aid $7K aid approved
2004

Hurricane Jeanne

84 households applied for aid $41K aid approved
2004

Hurricane Frances

188 households applied for aid $145K aid approved
2004

Tropical Storm Bonnie and Hurricane Charley

404 households applied for aid $261K aid approved
Seminole County has had 29 natural disasters declared since 1953, most often hurricanes and freezes.
Around Chuluota

Chuluota and the towns around it

Oviedo: Moderate, mostly inland floodingWinter Springs: High, mostly inland floodingBlack Hammock: High, mostly inland floodingChuluota: Moderate, mostly inland flooding ChuluotaOviedo
Very lowLowModerateHighVery high
Chuluotamostly inland floodingModerate
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. Chuluota is smaller than a census tract, so it shares the figures of the tract around its center.
Money that reached townFlood claims are matched to Chuluota’s own flood-insurance community; household aid to the registrant’s city; repair grants to Chuluota. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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 door’s open

Where to, neighbor?

You’re in Chuluota, FLView boundary

Nearby

All towns & citiesExplore the map

Local begins with a boundary.

See what belongs to your selected town.

Loading boundary…

Chuluota 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/19 · 2025-01-01
Open detailed map