Natural hazards · Groveland

Groveland, FL natural hazards

Most of the natural-hazard damage FEMA expects in Groveland comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 8 claims here since 1984. 9 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Groveland?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Groveland to be higher than in 65% of U.S. communities, mostly from inland flooding.

Inland flooding53%Tornadoes15%Hurricanes14%Wildfire9%Everything else9%

By hazard

What Groveland faces

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

Inland flooding

53% of expected damage

Above average · higher than 65% 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 68 years in the area

Hurricanes

14% of expected damage

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

Recorded about once every 4 years in the area

Wildfire

9% of expected damage

Well above average · higher than 96% of U.S. places

Lower here

HailCold wavesHeat wavesEarthquakesLandslidesStrong windLightningDrought

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 Groveland flood?

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

8paid claims since 1984

$278Kpaid to owners

1homes flooded more than once

19842026

Biggest named events

Hurricane Irma: 3 claims, $200K
Hurricane Milton: 2 claims, $29K
Hurricane Ian: 1 claim, $6K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Groveland 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.

What’s been done with FEMA grants

4buildings retrofitted against wind

Disasters that hit Groveland

9 federal disasters brought FEMA money here

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

Brought FEMA money into GrovelandDeclared for Lake County only

2024

Hurricane Milton

2,528 households applied for aid $1.4M aid approved $329K to the City of Groveland for repairs

2022

Hurricane Nicole

23 households applied for aid $9K aid approved

2022

Hurricane Ian

712 households applied for aid $256K aid approved $4K to the City of Groveland for repairs

2017

Hurricane Irma

2,174 households applied for aid $587K aid approved $155K to the City of Groveland for repairs

2008

Tropical Storm Fay

4 households applied for aid $240 aid approved

2004

Hurricane Jeanne

381 households applied for aid $669K aid approved $61K to the City of Groveland for repairs

2004

Hurricane Ivan

7 households applied for aid $2K aid approved

2004

Hurricane Frances

270 households applied for aid $315K aid approved $621K to the City of Groveland for repairs

2004

Tropical Storm Bonnie and Hurricane Charley

67 households applied for aid $76K aid approved $9K to the City of Groveland for repairs

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

Around Groveland

Groveland and the towns around it

Very lowLowModerateHighVery high

Grovelandmostly inland floodingHigh

Mascottemostly inland floodingModerate

Clermontmostly inland floodingModerate

Leesburgmostly 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. Groveland covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Groveland’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Groveland. 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 Groveland total about $5.5M 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.