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Natural hazards · Interlachen

Interlachen, FL natural hazards

Most of the natural-hazard damage FEMA expects in Interlachen comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 2009. 9 federal disasters brought FEMA money into town.

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

How exposed is Interlachen?

74
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Interlachen to be higher than in 74% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding42%Hurricanes32%Tornadoes11%Wildfire5%Everything else9%
By hazard

What Interlachen 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
Above average · higher than 67% of U.S. places
Recorded about once every 2 years in the area

Hurricanes

32% of expected damage
Well above average · higher than 91% of U.S. places
Recorded about once every 4 years in the area

Tornadoes

11% of expected damage
Above average · higher than 59% of U.S. places
Recorded about once every 10 years in the area

Wildfire

5% of expected damage
Well above average · higher than 95% of U.S. places

Lower here

Coastal floodingHailCold wavesHeat wavesEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Ice 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 Interlachen flood?

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

1paid claims since 2009
$10Kpaid to owners
0homes flooded more than once
20092026

Biggest named events

  • Low pressure system: 1 claim, $10K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Interlachen isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Putnam County.

What’s been done with FEMA grants

1buildings retrofitted against wind
Disasters that hit Interlachen

9 federal disasters brought FEMA money here

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

Brought FEMA money into InterlachenDeclared for Putnam County only
2024

Hurricane Milton

273 households applied for aid $445K aid approved
2024

Hurricane Helene

160 households applied for aid $319K aid approved
2022

Hurricane Nicole

22 households applied for aid $33K aid approved
2022

Hurricane Ian

443 households applied for aid $291K aid approved
2017

Hurricane Irma

1,805 households applied for aid $1.0M aid approved $76K to the Town of Interlachen for repairs
2016

Hurricane Matthew

115 households applied for aid $47K aid approved
2004

Hurricane Jeanne

573 households applied for aid $670K aid approved $1K to the Town of Interlachen for repairs
2004

Hurricane Frances

825 households applied for aid $1.2M aid approved $3K to the Town of Interlachen for repairs
2004

Tropical Storm Bonnie and Hurricane Charley

$297 to the Town of Interlachen for repairs
Putnam County has had 32 natural disasters declared since 1953, most often hurricanes and severe storms.
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. Interlachen 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 Interlachen’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Interlachen. 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.

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