Natural hazards · Ocoee

Ocoee, FL natural hazards

Most of the natural-hazard damage FEMA expects in Ocoee comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 17 claims here since 1980. 9 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Ocoee?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ocoee to be higher than in 50% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding42%Hurricanes19%Cold waves13%Tornadoes13%Strong wind9%Everything else6%

By hazard

What Ocoee faces

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

Inland flooding

42% of expected damage

Below average · higher than 43% of U.S. places

Recorded about once every 3 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

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

13% of expected damage

Above average · higher than 71% of U.S. places

Strong wind

9% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about once a year in the area

Lower here

HailHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Ocoee flood?

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

17paid claims since 1980

$232Kpaid to owners

2homes flooded more than once

19802026

Biggest named events

Hurricane Jeanne: 3 claims, $25K
Hurricane Frances: 1 claim, $12K
Hurricane Charley: 1 claim, $14K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

🏷️ 20% off flood insurance. Ocoee is in FEMA’s Community Rating System (class 6) for its flood-proofing work.

Insurance rates: Orange County.

What’s been done with FEMA grants

1buildings retrofitted against wind

Disasters that hit Ocoee

9 federal disasters brought FEMA money here

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

Brought FEMA money into OcoeeDeclared for Orange County only

2024

Hurricane Milton

1,851 households applied for aid $669K aid approved $202K to the City of Ocoee for repairs

2022

Hurricane Ian

2,363 households applied for aid $896K aid approved $1.0M to the City of Ocoee for repairs

2017

Hurricane Irma

4,842 households applied for aid $1.1M aid approved $1.2M to the City of Ocoee for repairs

2016

Hurricane Matthew

$142K to the City of Ocoee for repairs

2008

Tropical Storm Fay

6 households applied for aid $5K aid approved

2004

Hurricane Jeanne

786 households applied for aid $353K aid approved $318K to the City of Ocoee for repairs

2004

Hurricane Ivan

21 households applied for aid

2004

Hurricane Frances

484 households applied for aid $234K aid approved $57K to the City of Ocoee for repairs

2004

Tropical Storm Bonnie and Hurricane Charley

267 households applied for aid $110K aid approved $263K to the City of Ocoee for repairs

Orange County has had 30 natural disasters declared since 1953, most often hurricanes and fires.

Around Ocoee

Ocoee and the towns around it

Very lowLowModerateHighVery high

Pine Hillsmostly inland floodingHigh

Clarconamostly inland floodingHigh

Paradise Heightsmostly inland floodingHigh

Lake Butlermostly inland floodingModerate

Ocoeemostly inland floodingModerate

Winter Gardenmostly inland floodingModerate

Gothamostly 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. Ocoee covers 5 census tracts, combined by population.

Money that reached townFlood claims are matched to Ocoee’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Ocoee. 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 Ocoee total about $5.6M 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.