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Natural hazards · Ferndale

Ferndale, FL natural hazards

Most of the natural-hazard damage FEMA expects in Ferndale comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 2 claims here since 2017. 5 federal disasters brought FEMA money into town.

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

How exposed is Ferndale?

59
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ferndale to be higher than in 59% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding43%Hurricanes21%Tornadoes15%Strong wind7%Wildfire5%Everything else8%
By hazard

What Ferndale faces

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

Inland flooding

43% of expected damage
Above average · higher than 60% of U.S. places
Recorded about once every 4 years in the area

Hurricanes

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

Tornadoes

15% of expected damage
Well above average · higher than 82% of U.S. places
Recorded about once every 27 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

Wildfire

5% of expected damage
Well above average · higher than 94% of U.S. places

Lower here

HailCold wavesHeat wavesEarthquakesLandslidesLightningDrought

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 Ferndale flood?

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

2paid claims since 2017
$76Kpaid to owners
0homes flooded more than once
20172026

Biggest named events

  • Hurricane Irma: 1 claim, $13K
  • Hurricane Ian: 1 claim, $63K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Ferndale 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.
Disasters that hit Ferndale

5 federal disasters brought FEMA money here

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

Brought FEMA money into FerndaleDeclared for Lake County only
2024

Hurricane Milton

1 household applied for aid
2017

Hurricane Irma

14 households applied for aid
2004

Hurricane Jeanne

8 households applied for aid $6K aid approved
2004

Hurricane Frances

9 households applied for aid $8K aid approved
2004

Tropical Storm Bonnie and Hurricane Charley

2 households applied for aid $838 aid approved
Lake County has had 29 natural disasters declared since 1953, most often hurricanes and freezes.
Around Ferndale

Ferndale and the towns around it

Montverde: Moderate, mostly inland floodingMinneola: Moderate, mostly inland floodingClermont: Moderate, mostly inland floodingFerndale: Moderate, mostly inland flooding FerndaleMontverdeMinneola
Very lowLowModerateHighVery high
Ferndalemostly inland floodingModerate
Montverdemostly inland floodingModerate
Minneolamostly 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. Ferndale covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Ferndale’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Ferndale. 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 Ferndale total about $2.1M 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/19 · 2025-01-01
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