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Natural hazards · Lockhart

Lockhart, FL natural hazards

Most of the natural-hazard damage FEMA expects in Lockhart comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 2 claims here since 2005. 6 federal disasters brought FEMA money into town.

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

How exposed is Lockhart?

55
Moderate
vs. U.S. communities

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

Inland flooding46%Hurricanes18%Cold waves13%Tornadoes11%Strong wind7%Everything else6%
By hazard

What Lockhart faces

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

Inland flooding

46% of expected damage
Above average · higher than 54% of U.S. places
Recorded about once every 3 years in the area

Hurricanes

18% 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

11% of expected damage
Above average · higher than 68% of U.S. places

Strong wind

7% 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 Lockhart flood?

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

2paid claims since 2005
$32Kpaid to owners
0homes flooded more than once
20052026

Biggest named events

  • Hurricane Katrina: 1 claim, $26K
  • Low pressure system: 1 claim, $5K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Lockhart 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 Lockhart

6 federal disasters brought FEMA money here

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

Brought FEMA money into LockhartDeclared for Orange County only
2024

Hurricane Milton

17 households applied for aid
2022

Hurricane Ian

38 households applied for aid $13K aid approved
2017

Hurricane Irma

35 households applied for aid $11K aid approved
2004

Hurricane Jeanne

3 households applied for aid
2004

Hurricane Frances

5 households applied for aid $7K aid approved
2004

Tropical Storm Bonnie and Hurricane Charley

3 households applied for aid $3K aid approved
Orange County has had 30 natural disasters declared since 1953, most often hurricanes and fires.
Around Lockhart

Lockhart and the towns around it

Orlando: Moderate, mostly inland floodingFairview Shores: Low, mostly inland floodingAltamonte Springs: Moderate, mostly inland floodingHolden Lakes: Moderate, mostly inland floodingAzalea Park: Moderate, mostly inland floodingPine Hills: High, mostly inland floodingWinter Park: Moderate, mostly inland floodingTaft: Low, mostly inland floodingConway: Moderate, mostly inland floodingOak Ridge: High, mostly inland floodingDoctor Phillips: Moderate, mostly inland floodingLake Hart: High, mostly inland floodingOrlovista: Moderate, mostly inland floodingAlafaya: Moderate, mostly inland floodingEatonville: Low, mostly inland floodingFern Park: Low, mostly inland floodingForest City: Low, mostly inland floodingWekiwa Springs: Moderate, mostly inland floodingMaitland: Moderate, mostly inland floodingCasselberry: Moderate, mostly inland floodingLockhart: Moderate, mostly inland flooding LockhartOrlandoFairview ShoresAltamonte Springs
Very lowLowModerateHighVery high
Altamonte Springsmostly inland floodingModerate
Lockhartmostly inland floodingModerate
Orlandomostly inland floodingModerate
Fairview Shoresmostly 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. Lockhart covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Lockhart’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Lockhart. 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 Lockhart total about $3.1M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/19 · 2025-01-01
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