Natural hazards · Mascotte

Mascotte, FL natural hazards

Most of the natural-hazard damage FEMA expects in Mascotte comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 2 claims here since 2004. 8 federal disasters brought FEMA money into town.

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

How exposed is Mascotte?

49
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Mascotte to be higher than in 49% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding38%Tornadoes20%Hurricanes19%Wildfire9%Strong wind7%Everything else7%
By hazard

What Mascotte faces

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

Inland flooding

38% of expected damage
Below average · higher than 39% of U.S. places
Recorded about once every 4 years in the area

Tornadoes

20% of expected damage
Well above average · higher than 82% of U.S. places
Recorded about once every 41 years in the area

Hurricanes

19% of expected damage
Well above average · higher than 85% of U.S. places
Recorded about once every 4 years in the area

Wildfire

9% of expected damage
Well above average · higher than 95% of U.S. places

Strong wind

7% of expected damage
Well above average · higher than 91% of U.S. places
Recorded about once a year in the area

Lower here

HailCold wavesHeat 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 Mascotte flood?

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

2paid claims since 2004
$5Kpaid to owners
1homes flooded more than once
20042026

Biggest named events

  • Hurricane Jeanne: 1 claim, $4K
  • Hurricane Wilma: 1 claim, $1K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Mascotte isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Lake County.
Disasters that hit Mascotte

8 federal disasters brought FEMA money here

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

Brought FEMA money into MascotteDeclared for Lake County only
2024

Hurricane Milton

854 households applied for aid $253K aid approved $91K to the City of Mascotte for repairs
2022

Hurricane Nicole

14 households applied for aid $300 aid approved
2022

Hurricane Ian

268 households applied for aid $66K aid approved $16K to the City of Mascotte for repairs
2017

Hurricane Irma

789 households applied for aid $221K aid approved $39K to the City of Mascotte for repairs
2004

Hurricane Jeanne

117 households applied for aid $111K aid approved $25K to the City of Mascotte for repairs
2004

Hurricane Ivan

2 households applied for aid
2004

Hurricane Frances

61 households applied for aid $93K aid approved $41K to the City of Mascotte for repairs
2004

Tropical Storm Bonnie and Hurricane Charley

9 households applied for aid $11K aid approved
Lake County has had 29 natural disasters declared since 1953, most often hurricanes and freezes.
Around Mascotte

Mascotte and the towns around it

Groveland: High, mostly inland floodingLeesburg: Low, mostly inland floodingClermont: Moderate, mostly inland floodingMascotte: Moderate, mostly inland flooding MascotteGroveland
Very lowLowModerateHighVery high
Grovelandmostly inland floodingHigh
Mascottemostly 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. Mascotte covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Mascotte’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Mascotte. 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 Mascotte total about $2.1M 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