Natural hazards · Cleveland

Cleveland, FL natural hazards

Most of the natural-hazard damage FEMA expects in Cleveland comes from hurricanes, and overall the risk is very high for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Cleveland?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cleveland to be higher than in 93% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes71%Inland flooding18%Coastal flooding5%Everything else6%

By hazard

What Cleveland faces

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

Hurricanes

71% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about once every 4 years in the area

Inland flooding

18% of expected damage

Below average · higher than 47% of U.S. places

Recorded about once every 2 years in the area

Coastal flooding

5% of expected damage

Well above average · higher than 98% of U.S. places

Lower here

TornadoesHailCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Ice 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 Cleveland flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Charlotte County.

Disasters that hit Cleveland

2 federal disasters brought FEMA money here

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

Brought FEMA money into ClevelandDeclared for Charlotte County only

2017

Hurricane Irma

1 household applied for aid $878 aid approved

2004

Hurricane Jeanne

2 households applied for aid $5K aid approved

Charlotte County has had 35 natural disasters declared since 1953, most often hurricanes and severe storms.

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. Cleveland 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 Cleveland’s own flood-insurance community; household aid to the registrant’s city; repair grants to Cleveland. 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.