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Natural hazards · Montverde

Montverde, FL natural hazards

Most of the natural-hazard damage FEMA expects in Montverde comes from inland flooding, and overall the risk is moderate for a U.S. community. 9 federal disasters brought FEMA money into town.

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

How exposed is Montverde?

59
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Montverde to be higher than in 59% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding43%Hurricanes21%Tornadoes15%Strong wind7%Wildfire5%Everything else8%
By hazard

What Montverde faces

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

Inland flooding

43% of expected damage
Above average · higher than 60% of U.S. places
Recorded about once every 4 years in the area

Hurricanes

21% of expected damage
Well above average · higher than 85% of U.S. places
Recorded about once every 4 years in the area

Tornadoes

15% of expected damage
Well above average · higher than 82% of U.S. places
Recorded about once every 27 years in the area

Strong wind

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

Wildfire

5% of expected damage
Well above average · higher than 94% of U.S. places

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 Montverde flood?

FEMA's records show no paid flood insurance claims in Montverde.

of homes in flood zones
are insured
of all homes
are insured
No community discount. Montverde 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 Montverde

9 federal disasters brought FEMA money here

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

Brought FEMA money into MontverdeDeclared for Lake County only
2024

Hurricane Milton

198 households applied for aid $201K aid approved $245K to the Town of Montverde for repairs
2022

Hurricane Nicole

1 household applied for aid
2022

Hurricane Ian

87 households applied for aid $67K aid approved $54K to the Town of Montverde for repairs
2017

Hurricane Irma

303 households applied for aid $83K aid approved $83K to the Town of Montverde for repairs
2008

Tropical Storm Fay

2 households applied for aid $2K aid approved
2004

Hurricane Jeanne

89 households applied for aid $65K aid approved $41K to the Town of Montverde for repairs
2004

Hurricane Ivan

1 household applied for aid
2004

Hurricane Frances

63 households applied for aid $44K aid approved $22K to the Town of Montverde for repairs
2004

Tropical Storm Bonnie and Hurricane Charley

20 households applied for aid $6K aid approved $18K to the Town of Montverde for repairs
Lake County has had 29 natural disasters declared since 1953, most often hurricanes and freezes.
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. Montverde 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 Montverde’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Montverde. 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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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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