Natural hazards · Lake Panasoffkee

Lake Panasoffkee, FL natural hazards

Most of the natural-hazard damage FEMA expects in Lake Panasoffkee comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 3 claims here since 2004. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Lake Panasoffkee?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lake Panasoffkee to be higher than in 76% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding45%Hurricanes34%Tornadoes12%Everything else9%

By hazard

What Lake Panasoffkee faces

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

Inland flooding

45% of expected damage

Above average · higher than 70% of U.S. places

Recorded about once every 5 years in the area

Hurricanes

34% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once every 4 years in the area

Tornadoes

12% of expected damage

Above average · higher than 69% of U.S. places

Lower here

HailCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Lake Panasoffkee flood?

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

3paid claims since 2004

$52Kpaid to owners

0homes flooded more than once

20042026

Biggest named events

Hurricane Frances: 1 claim, $523
Hurricane Milton: 1 claim, $10K
Hurricane Irma: 1 claim, $42K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Lake Panasoffkee isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Sumter County.

What’s been done with FEMA grants

2buildings retrofitted against wind

Disasters that hit Lake Panasoffkee

5 federal disasters brought FEMA money here

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

Brought FEMA money into Lake PanasoffkeeDeclared for Sumter County only

2024

Hurricane Milton

375 households applied for aid $484K aid approved

2017

Hurricane Irma

819 households applied for aid $334K aid approved

2007

Severe Storms and Tornadoes

1 household applied for aid

2004

Hurricane Jeanne

186 households applied for aid $240K aid approved

2004

Hurricane Frances

182 households applied for aid $211K aid approved

Sumter County has had 28 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. Lake Panasoffkee covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Lake Panasoffkee’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Lake Panasoffkee. 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 Lake Panasoffkee total about $1.3M 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.