Natural hazards · Doctor Phillips

Doctor Phillips, FL natural hazards

Most of the natural-hazard damage FEMA expects in Doctor Phillips comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 1990.

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

Expected damage

How exposed is Doctor Phillips?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Doctor Phillips to be higher than in 51% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding49%Hurricanes20%Tornadoes11%Strong wind9%Cold waves8%Everything else4%

By hazard

What Doctor Phillips faces

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

Inland flooding

49% of expected damage

Below average · higher than 45% of U.S. places

Recorded about once every 3 years in the area

Hurricanes

20% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about once every 4 years in the area

Tornadoes

11% of expected damage

Above average · higher than 71% of U.S. places

Strong wind

9% of expected damage

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

Recorded about once a year in the area

Cold waves

8% of expected damage

Above average · higher than 71% of U.S. places

Recorded about 4 times a year in the area

Lower here

HailHeat wavesWildfireEarthquakesLandslidesLightning

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 Doctor Phillips flood?

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

1paid claims since 1990

$13Kpaid to owners

0homes flooded more than once

19902026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Orange County.

Disasters that hit Doctor Phillips

Federal disasters declared here

None of the disasters declared for Orange County shows FEMA aid or repair money reaching Doctor Phillips itself in FEMA’s records.

Brought FEMA money into Doctor PhillipsDeclared for Orange County only

Orange County has had 30 natural disasters declared since 1953, most often hurricanes and fires.

Around Doctor Phillips

Doctor Phillips and the towns around it

Very lowLowModerateHighVery high

Orlandomostly inland floodingModerate

Bay Hillmostly inland floodingModerate

Doctor Phillipsmostly 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. Doctor Phillips covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Doctor Phillips’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Doctor Phillips. 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 Doctor Phillips total about $4.5M 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.