Natural hazards · Pine Castle

Pine Castle, FL natural hazards

Most of the natural-hazard damage FEMA expects in Pine Castle comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 28 claims here since 2015. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Pine Castle?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pine Castle to be higher than in 39% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding38%Hurricanes23%Cold waves13%Tornadoes12%Strong wind9%Everything else6%

By hazard

What Pine Castle 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 27% of U.S. places

Recorded about once every 3 years in the area

Hurricanes

23% of expected damage

Well above average · higher than 86% 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

12% of expected damage

Above average · higher than 67% of U.S. places

Strong wind

9% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once a year in the area

Lower here

HailHeat wavesWildfireEarthquakesLightning

Not a risk here

Coastal floodingIce stormsWinter weatherLandslidesDroughtAvalanchesTsunamisVolcanic 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 Pine Castle flood?

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

28paid claims since 2015

$1.0Mpaid to owners

0homes flooded more than once

20152026

Biggest named events

Hurricane Ian: 25 claims, $1.0M
Hurricane Irma: 1 claim, $9K
Hurricane Matthew: 1 claim, $5K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Pine Castle isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Orange County.

Disasters that hit Pine Castle

5 federal disasters brought FEMA money here

Disasters the President declared that paid out in Pine Castle itself: aid to households, or repair grants to Pine Castle.

Brought FEMA money into Pine CastleDeclared for Orange County only

2024

Hurricane Milton

1 household applied for aid

2022

Hurricane Ian

15 households applied for aid $18K aid approved

2017

Hurricane Irma

13 households applied for aid $4K aid approved

2004

Hurricane Frances

3 households applied for aid $3K aid approved

2004

Tropical Storm Bonnie and Hurricane Charley

4 households applied for aid $2K aid approved

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

Around Pine Castle

Pine Castle and the towns around it

Very lowLowModerateHighVery high

Edgewoodmostly inland floodingHigh

Sky Lakemostly inland floodingHigh

Belle Islemostly inland floodingModerate

Pine Castlemostly 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. Pine Castle covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Pine Castle’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Pine Castle. 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 Pine Castle total about $2.6M 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.