Natural hazards · Oviedo

Oviedo, FL natural hazards

Most of the natural-hazard damage FEMA expects in Oviedo comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 83 claims here since 1982. 15 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Oviedo?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Oviedo to be higher than in 47% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding47%Tornadoes22%Hurricanes20%Everything else11%

By hazard

What Oviedo faces

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

Inland flooding

47% of expected damage

Below average · higher than 46% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

22% of expected damage

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

Hurricanes

20% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about once every 4 years in the area

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 Oviedo flood?

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

83paid claims since 1982

$7.6Mpaid to owners

2homes flooded more than once

19822026

Biggest named events

Hurricane Ian: 57 claims, $7.5M
Tropical Storm Fay: 7 claims, $48K
Hurricane Frances: 4 claims, $12K

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

🏷️ 25% off flood insurance. Oviedo is in FEMA’s Community Rating System (class 5) for its flood-proofing work.

Insurance rates: Seminole County.

What’s been done with FEMA grants

11buildings retrofitted against wind

Disasters that hit Oviedo

15 federal disasters brought FEMA money here

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

Brought FEMA money into OviedoDeclared for Seminole County only

2024

Hurricane Milton

982 households applied for aid $231K aid approved $503K to the City of Oviedo for repairs

2024

Hurricane Debby

$5K to the City of Oviedo for repairs

2023

Hurricane Idalia

1 household applied for aid $32K to the City of Oviedo for repairs

2022

Hurricane Nicole

$50K to the City of Oviedo for repairs

2022

Hurricane Ian

5,852 households applied for aid $2.7M aid approved $2.5M to the City of Oviedo for repairs

2019

Hurricane Dorian

$88K to the City of Oviedo for repairs

2017

Hurricane Irma

4,883 households applied for aid $1.2M aid approved $1.1M to the City of Oviedo for repairs

2016

Hurricane Matthew

67 households applied for aid $6K aid approved $124K to the City of Oviedo for repairs

2008

Tropical Storm Fay

76 households applied for aid $114K aid approved

2007

Severe Storms and Tornadoes

2 households applied for aid

2004

Hurricane Jeanne

807 households applied for aid $424K aid approved $203K to the City of Oviedo for repairs

2004

Hurricane Ivan

23 households applied for aid $1K aid approved

2004

Hurricane Frances

1,419 households applied for aid $914K aid approved $88K to the City of Oviedo for repairs

2004

Tropical Storm Bonnie and Hurricane Charley

4,425 households applied for aid $1.8M aid approved $4.0M to the City of Oviedo for repairs

1999

Fl-Hurricane Irene-Dr-Req

$2K to the City of Oviedo for repairs

Seminole County has had 29 natural disasters declared since 1953, most often hurricanes and freezes.

Around Oviedo

Oviedo and the towns around it

Very lowLowModerateHighVery high

Winter Springsmostly inland floodingHigh

Black Hammockmostly inland floodingHigh

Chuluotamostly inland floodingModerate

Oviedomostly 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. Oviedo covers 6 census tracts, combined by population.

Money that reached townFlood claims are matched to Oviedo’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Oviedo. 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 Oviedo total about $6.9M 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.

Oviedo, FL natural hazards

How exposed is Oviedo?

What Oviedo faces

Inland flooding

Tornadoes

Hurricanes

Lower here

Not a risk here

Does Oviedo flood?

Biggest named events

Homes that flooded again and again

What’s been done with FEMA grants

15 federal disasters brought FEMA money here

Hurricane Milton

Hurricane Debby

Hurricane Idalia

Hurricane Nicole

Hurricane Ian

Hurricane Dorian

Hurricane Irma

Hurricane Matthew

Tropical Storm Fay

Severe Storms and Tornadoes

Hurricane Jeanne

Hurricane Ivan

Hurricane Frances

Tropical Storm Bonnie and Hurricane Charley

Fl-Hurricane Irene-Dr-Req

Oviedo and the towns around it

How to read this page

Where to, neighbor?

Matches

Nearby