Natural hazards · Goldenrod

Goldenrod, FL natural hazards

Most of the natural-hazard damage FEMA expects in Goldenrod comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 12 claims here since 1995. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Goldenrod?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Goldenrod to be higher than in 40% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding40%Tornadoes25%Hurricanes20%Everything else15%

By hazard

What Goldenrod faces

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

Inland flooding

40% of expected damage

Below average · higher than 37% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

25% of expected damage

Above average · higher than 70% of U.S. places

Hurricanes

20% 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 Goldenrod flood?

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

12paid claims since 1995

$937Kpaid to owners

0homes flooded more than once

19952026

Biggest named events

Hurricane Ian: 11 claims, $933K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Goldenrod 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.

Disasters that hit Goldenrod

5 federal disasters brought FEMA money here

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

Brought FEMA money into GoldenrodDeclared for Seminole County only

2024

Hurricane Milton

1 household applied for aid

2022

Hurricane Ian

3 households applied for aid

2017

Hurricane Irma

11 households applied for aid $2K aid approved

2004

Hurricane Frances

1 household applied for aid $687 aid approved

2004

Tropical Storm Bonnie and Hurricane Charley

1 household applied for aid $1K aid approved

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

Around Goldenrod

Goldenrod and the towns around it

Very lowLowModerateHighVery high

Casselberrymostly inland floodingModerate

Goldenrodmostly 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. Goldenrod covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Goldenrod’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Goldenrod. 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 Goldenrod total about $2.0M 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.