Natural hazards · Gotha

Gotha, FL natural hazards

Most of the natural-hazard damage FEMA expects in Gotha comes from inland flooding, and overall the risk is low for a U.S. community. 8 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Gotha?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gotha to be higher than in 35% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding37%Hurricanes23%Tornadoes13%Strong wind11%Cold waves11%Everything else6%

By hazard

What Gotha faces

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

Inland flooding

37% of expected damage

Well below average · higher than 17% of U.S. places

Recorded about once every 3 years in the area

Hurricanes

23% of expected damage

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

Recorded about once every 4 years in the area

Tornadoes

13% of expected damage

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

Strong wind

11% of expected damage

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

Recorded about once a year in the area

Cold waves

11% of expected damage

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

Recorded about 4 times a year in the area

Lower here

HailHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Gotha flood?

FEMA's records show no paid flood insurance claims in Gotha.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Gotha 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 Gotha

8 federal disasters brought FEMA money here

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

Brought FEMA money into GothaDeclared for Orange County only

2024

Hurricane Milton

63 households applied for aid $24K aid approved

2022

Hurricane Ian

171 households applied for aid $56K aid approved

2017

Hurricane Irma

439 households applied for aid $136K aid approved

2008

Tropical Storm Fay

1 household applied for aid $12K aid approved

2004

Hurricane Jeanne

105 households applied for aid $35K aid approved

2004

Hurricane Ivan

6 households applied for aid

2004

Hurricane Frances

68 households applied for aid $33K aid approved

2004

Tropical Storm Bonnie and Hurricane Charley

49 households applied for aid $24K aid approved

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

Around Gotha

Gotha and the towns around it

Very lowLowModerateHighVery high

Lake Butlermostly inland floodingModerate

Ocoeemostly inland floodingModerate

Gothamostly 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. Gotha is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Gotha’s own flood-insurance community; household aid to the registrant’s city; repair grants to Gotha. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.