Punta Gorda, FL natural hazards
Most of the natural-hazard damage FEMA expects in Punta Gorda comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 1,372 claims here since 1982. 15 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is Punta Gorda?
FEMA expects yearly storm and flood damage to homes and buildings in Punta Gorda to be higher than in 92% of U.S. communities, mostly from hurricanes.
What Punta Gorda faces
Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.
Hurricanes
Inland flooding
Coastal flooding
Lower here
Not a risk here
Does Punta Gorda flood?
Every paid claim on a federal flood insurance policy in Punta Gorda, from FEMA’s records.
Biggest named events
- Hurricane Milton: 698 claims, $60.1M
- Hurricane Helene: 396 claims, $38.9M
- Torrential rain: 66 claims, $1.1M
Homes that flooded again and again
Each house = 5 homes. ■ FEMA “severe repetitive loss” (14) ■ flooded 2+ times
are insured
are insured
What’s been done with FEMA grants
15 federal disasters brought FEMA money here
Disasters the President declared that paid out in Punta Gorda itself: aid to households, or repair grants to the City of Punta Gorda.
Hurricane Milton
Hurricane Helene
Hurricane Idalia
Hurricane Ian
Hurricane Irma
Tropical Storm Debby
Tropical Storm Fay
Hurricane Wilma
Hurricane Jeanne
Hurricane Ivan
Hurricane Frances
Tropical Storm Bonnie and Hurricane Charley
Severe Storms and Flooding
Severe Storms, Tornadoes and Flooding Associated With Tropical Storm Gabrielle
Tropical Storm Irene - Florida
Punta Gorda and the towns around it
How to read this page
FEMA’s expected losses across Punta Gorda total about $15.3M 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.