Natural hazards · Horizon West

Horizon West, FL natural hazards

Most of the natural-hazard damage FEMA expects in Horizon West comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3 claims here since 2022.

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

Expected damage

How exposed is Horizon West?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Horizon West to be higher than in 55% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding34%Hurricanes20%Cold waves13%Strong wind12%Tornadoes10%Wildfire7%Everything else4%

By hazard

What Horizon West faces

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

Inland flooding

34% of expected damage

Below average · higher than 43% of U.S. places

Recorded about once every 3 years in the area

Hurricanes

20% of expected damage

Well above average · higher than 85% 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

Strong wind

12% of expected damage

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

Recorded about once a year in the area

Tornadoes

10% of expected damage

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

Wildfire

7% of expected damage

Well above average · higher than 95% of U.S. places

Lower here

HailHeat 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 Horizon West flood?

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

3paid claims since 2022

$88Kpaid to owners

0homes flooded more than once

20222026

Biggest named events

Hurricane Milton: 1 claim, $5K
Hurricane Ian: 1 claim, $1K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Horizon West 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 Horizon West

Federal disasters declared here

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

Brought FEMA money into Horizon WestDeclared for Orange County only

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

Around Horizon West

Horizon West and the towns around it

Very lowLowModerateHighVery high

Four Cornersmostly inland floodingHigh

Horizon Westmostly inland floodingModerate

Lake Butlermostly inland floodingModerate

Winter Gardenmostly inland floodingModerate

Bay Lakemostly 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. Horizon West covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Horizon West’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Horizon West. 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 Horizon West total about $13.9M 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.