Natural hazards · Pine Hills

Pine Hills, FL natural hazards

Most of the natural-hazard damage FEMA expects in Pine Hills comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 12 claims here since 1979. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Pine Hills?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pine Hills to be higher than in 64% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding46%Cold waves16%Hurricanes14%Tornadoes13%Strong wind6%Everything else6%

By hazard

What Pine Hills faces

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

Inland flooding

46% of expected damage

Above average · higher than 68% of U.S. places

Recorded about once every 3 years in the area

Cold waves

16% of expected damage

Above average · higher than 72% of U.S. places

Recorded about 4 times a year in the area

Hurricanes

14% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about once every 4 years in the area

Tornadoes

13% of expected damage

Above average · higher than 70% of U.S. places

Strong wind

6% of expected damage

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

Recorded about once a year in the area

Lower here

HailHeat wavesWildfireEarthquakesLandslidesLightning

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 Pine Hills flood?

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

12paid claims since 1979

$183Kpaid to owners

0homes flooded more than once

19792026

Biggest named events

Hurricane Josephine: 1 claim, $5K
Hurricane Ian: 1 claim, $68K
Hurricane Milton: 1 claim, $26K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Pine Hills 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 Hills

6 federal disasters brought FEMA money here

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

Brought FEMA money into Pine HillsDeclared for Orange County only

2024

Hurricane Milton

20 households applied for aid

2022

Hurricane Ian

45 households applied for aid $29K aid approved

2017

Hurricane Irma

33 households applied for aid $5K aid approved

2004

Hurricane Jeanne

5 households applied for aid $3K aid approved

2004

Hurricane Frances

4 households applied for aid $1K aid approved

2004

Tropical Storm Bonnie and Hurricane Charley

7 households applied for aid $2K aid approved

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

Around Pine Hills

Pine Hills and the towns around it

Very lowLowModerateHighVery high

Pine Hillsmostly inland floodingHigh

Clarconamostly inland floodingHigh

Orlovistamostly inland floodingModerate

Orlandomostly inland floodingModerate

Ocoeemostly 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. Pine Hills covers 10 census tracts, combined by population.

Money that reached townFlood claims are matched to Pine Hills’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Pine Hills. 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 Hills total about $12.7M 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.