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Natural hazards · Longwood

Longwood, FL natural hazards

Most of the natural-hazard damage FEMA expects in Longwood comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 14 claims here since 1992. 10 federal disasters brought FEMA money into town.

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

How exposed is Longwood?

40
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Longwood to be higher than in 40% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding48%Hurricanes22%Tornadoes21%Everything else9%
By hazard

What Longwood faces

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

Inland flooding

48% of expected damage
Below average · higher than 39% of U.S. places
Recorded about once every 2 years in the area

Hurricanes

22% of expected damage
Well above average · higher than 86% of U.S. places
Recorded about once every 4 years in the area

Tornadoes

21% 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 Longwood flood?

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

14paid claims since 1992
$253Kpaid to owners
0homes flooded more than once
19922026

Biggest named events

  • Hurricane Ian: 4 claims, $92K
  • Hurricane Frances: 1 claim, $5K
  • Hurricane Jeanne: 1 claim, $4K
of homes in flood zones
are insured
of all homes
are insured
🏷️ 15% off flood insurance. Longwood is in FEMA’s Community Rating System (class 7) for its flood-proofing work.
Insurance rates: Seminole County.

What’s been done with FEMA grants

11buildings retrofitted against wind
1flood-prone properties bought out and cleared
Disasters that hit Longwood

10 federal disasters brought FEMA money here

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

Brought FEMA money into LongwoodDeclared for Seminole County only
2024

Hurricane Milton

1,926 households applied for aid $305K aid approved $543K to the City of Longwood for repairs
2022

Hurricane Ian

2,219 households applied for aid $999K aid approved $825K to the City of Longwood for repairs
2019

Hurricane Dorian

$99K to the City of Longwood for repairs
2017

Hurricane Irma

5,734 households applied for aid $1.7M aid approved $890K to the City of Longwood for repairs
2016

Hurricane Matthew

53 households applied for aid $2K aid approved $62K to the City of Longwood for repairs
2008

Tropical Storm Fay

65 households applied for aid $95K aid approved
2004

Hurricane Jeanne

926 households applied for aid $346K aid approved $46K to the City of Longwood for repairs
2004

Hurricane Ivan

19 households applied for aid $1K aid approved
2004

Hurricane Frances

1,154 households applied for aid $609K aid approved $164K to the City of Longwood for repairs
2004

Tropical Storm Bonnie and Hurricane Charley

1,207 households applied for aid $624K aid approved $1.5M to the City of Longwood for repairs
Seminole County has had 29 natural disasters declared since 1953, most often hurricanes and freezes.
Around Longwood

Longwood and the towns around it

Casselberry: Moderate, mostly inland floodingWinter Springs: High, mostly inland floodingFern Park: Low, mostly inland floodingGoldenrod: Moderate, mostly inland floodingAltamonte Springs: Moderate, mostly inland floodingOviedo: Moderate, mostly inland floodingBlack Hammock: High, mostly inland floodingLongwood: Moderate, mostly inland flooding LongwoodCasselberryWinter Springs
Very lowLowModerateHighVery high
Winter Springsmostly inland floodingHigh
Casselberrymostly inland floodingModerate
Longwoodmostly 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. Longwood covers 3 census tracts, combined by population.
Money that reached townFlood claims are matched to Longwood’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Longwood. 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 Longwood total about $4.1M 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/18 · 2025-01-01
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