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Natural hazards · DeBary

DeBary, FL natural hazards

Most of the natural-hazard damage FEMA expects in DeBary comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 87 claims here since 2003. 14 federal disasters brought FEMA money into town.

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

How exposed is DeBary?

77
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in DeBary to be higher than in 77% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding45%Hurricanes38%Tornadoes12%Everything else6%
By hazard

What DeBary faces

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

Inland flooding

45% of expected damage
Above average · higher than 72% of U.S. places
Recorded about once a year in the area

Hurricanes

38% of expected damage
Well above average · higher than 92% of U.S. places
Recorded about once every 4 years in the area

Tornadoes

12% of expected damage
Above average · higher than 67% of U.S. places

Lower here

HailCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingIce stormsWinter weatherDroughtAvalanchesTsunamisVolcanic 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 DeBary flood?

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

87paid claims since 2003
$5.6Mpaid to owners
5homes flooded more than once
20032026

Biggest named events

  • Tropical Storm Fay: 56 claims, $4.2M
  • Hurricane Milton: 16 claims, $940K
  • Hurricane Ian: 6 claims, $131K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. DeBary isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Volusia County.

What’s been done with FEMA grants

18flood-prone properties bought out and cleared
2buildings retrofitted against wind
Disasters that hit DeBary

14 federal disasters brought FEMA money here

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

Brought FEMA money into DeBaryDeclared for Volusia County only
2024

Hurricane Milton

812 households applied for aid $633K aid approved $1.1M to the City of DeBary for repairs
2023

Hurricane Idalia

$55K to the City of DeBary for repairs
2022

Hurricane Nicole

38 households applied for aid $34K aid approved $41K to the City of DeBary for repairs
2022

Hurricane Ian

1,192 households applied for aid $401K aid approved $1.3M to the City of DeBary for repairs
2019

Hurricane Dorian

$38K to the City of DeBary for repairs
2017

Hurricane Irma

2,857 households applied for aid $862K aid approved $1.4M to the City of DeBary for repairs
2016

Hurricane Matthew

101 households applied for aid $22K aid approved $327K to the City of DeBary for repairs
2009

Severe Storms, Flooding, Tornadoes, and Straight-Line Winds

4 households applied for aid $8K aid approved $14K to the City of DeBary for repairs
2008

Tropical Storm Fay

374 households applied for aid $1.1M aid approved $3.1M to the City of DeBary for repairs
2007

Severe Storms and Tornadoes

3 households applied for aid $190 aid approved
2004

Hurricane Jeanne

568 households applied for aid $401K aid approved $2.0M to the City of DeBary for repairs
2004

Hurricane Ivan

16 households applied for aid $2K aid approved
2004

Hurricane Frances

1,245 households applied for aid $938K aid approved $1.8M to the City of DeBary for repairs
2004

Tropical Storm Bonnie and Hurricane Charley

682 households applied for aid $445K aid approved $240K to the City of DeBary for repairs
Volusia County has had 34 natural disasters declared since 1953, most often hurricanes and severe storms.
Around DeBary

DeBary and the towns around it

Orange City: High, mostly inland floodingDeltona: High, mostly inland floodingDeLand: High, mostly hurricanesDeBary: High, mostly inland flooding DeBaryOrange CityDeltona
Very lowLowModerateHighVery high
Orange Citymostly inland floodingHigh
Deltonamostly inland floodingHigh
DeBarymostly inland floodingHigh
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. DeBary covers 4 census tracts, combined by population.
Money that reached townFlood claims are matched to DeBary’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of DeBary. 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 DeBary total about $8.6M 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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