Natural hazards · Holden Lakes

Holden Lakes, FL natural hazards

Most of the natural-hazard damage FEMA expects in Holden Lakes comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3 claims here since 1981.

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

Expected damage

How exposed is Holden Lakes?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Holden Lakes to be higher than in 44% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding42%Hurricanes20%Cold waves13%Tornadoes12%Strong wind8%Everything else6%

By hazard

What Holden Lakes faces

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

Inland flooding

42% of expected damage

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

Recorded about once every 3 years in the area

Hurricanes

20% of expected damage

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

Recorded about once every 4 years in the area

Cold waves

13% of expected damage

Above average · higher than 72% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

12% of expected damage

Above average · higher than 67% of U.S. places

Strong wind

8% of expected damage

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

Recorded about once a year in the area

Lower here

HailHeat wavesWildfireEarthquakesLandslidesLightning

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 Holden Lakes flood?

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

3paid claims since 1981

$24Kpaid to owners

0homes flooded more than once

19812026

Biggest named events

Hurricane Charley: 1 claim, $22K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Holden Lakes 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 Holden Lakes

Federal disasters declared here

None of the disasters declared for Orange County shows FEMA aid or repair money reaching Holden Lakes itself in FEMA’s records.

Brought FEMA money into Holden LakesDeclared for Orange County only

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

Around Holden Lakes

Holden Lakes and the towns around it

Very lowLowModerateHighVery high

Edgewoodmostly inland floodingHigh

Orlandomostly inland floodingModerate

Holden Lakesmostly 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. Holden Lakes covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Holden Lakes’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Holden Lakes. 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 Holden Lakes total about $850K 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.