Natural hazards · Fern Park

Fern Park, FL natural hazards

Most of the natural-hazard damage FEMA expects in Fern Park comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 44 claims here since 1991. 8 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Fern Park?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fern Park to be higher than in 32% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding41%Tornadoes26%Hurricanes24%Everything else10%

By hazard

What Fern Park faces

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

Inland flooding

41% of expected damage

Well below average · higher than 24% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

26% of expected damage

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

Hurricanes

24% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about once every 4 years in the area

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 Fern Park flood?

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

44paid claims since 1991

$3.1Mpaid to owners

0homes flooded more than once

19912026

Biggest named events

Hurricane Ian: 32 claims, $2.8M
Hurricane Irma: 7 claims, $311K
Tropical Storm Fay: 1 claim, $14K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Fern Park 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 Fern Park

8 federal disasters brought FEMA money here

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

Brought FEMA money into Fern ParkDeclared for Seminole County only

2024

Hurricane Milton

290 households applied for aid $58K aid approved

2022

Hurricane Ian

187 households applied for aid $210K aid approved

2017

Hurricane Irma

791 households applied for aid $284K aid approved

2016

Hurricane Matthew

5 households applied for aid $3K aid approved

2004

Hurricane Jeanne

49 households applied for aid $30K aid approved

2004

Hurricane Ivan

1 household applied for aid

2004

Hurricane Frances

85 households applied for aid $61K aid approved

2004

Tropical Storm Bonnie and Hurricane Charley

101 households applied for aid $41K aid approved

Seminole County has had 29 natural disasters declared since 1953, most often hurricanes and freezes.

Around Fern Park

Fern Park and the towns around it

Very lowLowModerateHighVery high

Altamonte Springsmostly inland floodingModerate

Casselberrymostly inland floodingModerate

Maitlandmostly inland floodingModerate

Fern Parkmostly inland floodingLow

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. Fern Park covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Fern Park’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Fern Park. 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 Fern Park total about $2.7M 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.