Natural hazards · Clermont

Clermont, FL natural hazards

Most of the natural-hazard damage FEMA expects in Clermont comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 6 claims here since 1998. 12 federal disasters brought FEMA money into town.

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

How exposed is Clermont?

41
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Clermont to be higher than in 41% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding44%Tornadoes21%Hurricanes21%Strong wind7%Everything else7%
By hazard

What Clermont 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
Below average · higher than 34% of U.S. places
Recorded about once every 4 years in the area

Tornadoes

21% of expected damage
Well above average · higher than 82% of U.S. places

Hurricanes

21% of expected damage
Well above average · higher than 85% of U.S. places
Recorded about once every 4 years in the area

Strong wind

7% of expected damage
Well above average · higher than 91% 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 Clermont flood?

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

6paid claims since 1998
$140Kpaid to owners
0homes flooded more than once
19982026

Biggest named events

  • Hurricane Milton: 3 claims, $59K
  • Hurricane Irma: 1 claim, $3K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Clermont isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Lake County.

What’s been done with FEMA grants

7buildings retrofitted against wind
1flood-prone properties bought out and cleared
Disasters that hit Clermont

12 federal disasters brought FEMA money here

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

Brought FEMA money into ClermontDeclared for Lake County only
2024

Hurricane Milton

4,232 households applied for aid $2.8M aid approved $394K to the City of Clermont for repairs
2023

Hurricane Idalia

$39K to the City of Clermont for repairs
2022

Hurricane Nicole

73 households applied for aid $20K aid approved $19K to the City of Clermont for repairs
2022

Hurricane Ian

2,832 households applied for aid $946K aid approved $346K to the City of Clermont for repairs
2017

Hurricane Irma

7,494 households applied for aid $1.6M aid approved $485K to the City of Clermont for repairs
2016

Hurricane Matthew

$4K to the City of Clermont for repairs
2008

Tropical Storm Fay

8 households applied for aid $4K aid approved
2007

Severe Storms and Tornadoes

3 households applied for aid
2004

Hurricane Jeanne

1,226 households applied for aid $805K aid approved $127K to the City of Clermont for repairs
2004

Hurricane Ivan

23 households applied for aid $6K aid approved
2004

Hurricane Frances

783 households applied for aid $461K aid approved $206K to the City of Clermont for repairs
2004

Tropical Storm Bonnie and Hurricane Charley

178 households applied for aid $99K aid approved $45K to the City of Clermont for repairs
Lake County has had 29 natural disasters declared since 1953, most often hurricanes and freezes.
Around Clermont

Clermont and the towns around it

Minneola: Moderate, mostly inland floodingOakland: Moderate, mostly inland floodingGroveland: High, mostly inland floodingFerndale: Moderate, mostly inland floodingWinter Garden: Moderate, mostly inland floodingMascotte: Moderate, mostly inland floodingLeesburg: Low, mostly inland floodingClermont: Moderate, mostly inland flooding ClermontMinneolaOaklandGroveland
Very lowLowModerateHighVery high
Grovelandmostly inland floodingHigh
Minneolamostly inland floodingModerate
Oaklandmostly inland floodingModerate
Clermontmostly 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. Clermont covers 5 census tracts, combined by population.
Money that reached townFlood claims are matched to Clermont’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Clermont. 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 Clermont total about $8.3M 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/18 · 2025-01-01