Natural hazards · Pine Lakes

Pine Lakes, FL natural hazards

Most of the natural-hazard damage FEMA expects in Pine Lakes comes from inland flooding, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Pine Lakes?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pine Lakes to be higher than in 75% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding46%Tornadoes16%Wildfire15%Hurricanes13%Strong wind5%Everything else6%

By hazard

What Pine Lakes 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

Well above average · higher than 76% of U.S. places

Recorded about once every 4 years in the area

Tornadoes

16% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about once every 25 years in the area

Wildfire

15% of expected damage

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

Hurricanes

13% of expected damage

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

Recorded about once every 4 years in the area

Strong wind

5% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once a year in the area

Lower here

HailCold wavesHeat wavesEarthquakesLandslidesLightning

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 Lakes flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Pine Lakes 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 Pine Lakes

Federal disasters declared here

None of the disasters declared for Lake County shows FEMA aid or repair money reaching Pine Lakes itself in FEMA’s records.

Brought FEMA money into Pine LakesDeclared for Lake County only

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. Pine Lakes 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 Pine Lakes’s own flood-insurance community; household aid to the registrant’s city; repair grants to Pine Lakes. 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.