Natural hazards · Rotonda

Rotonda, FL natural hazards

Most of the natural-hazard damage FEMA expects in Rotonda comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 149 claims here since 2022. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Rotonda?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Rotonda to be higher than in 88% of U.S. communities, mostly from hurricanes.

Hurricanes79%Inland flooding15%Everything else7%

By hazard

What Rotonda faces

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

Hurricanes

79% of expected damage

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

Recorded about once every 5 years in the area

Inland flooding

15% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about once every 2 years in the area

Lower here

Coastal floodingTornadoesHailCold wavesHeat wavesWildfireEarthquakesStrong windLightningDrought

Not a risk here

Ice stormsWinter weatherLandslidesAvalanchesTsunamisVolcanic 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 Rotonda flood?

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

149paid claims since 2022

$10.1Mpaid to owners

0homes flooded more than once

20222026

Biggest named events

Hurricane Ian: 112 claims, $8.9M
Hurricane Milton: 27 claims, $920K
Hurricane Helene: 5 claims, $89K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Charlotte County.

What’s been done with FEMA grants

1buildings retrofitted against wind

Disasters that hit Rotonda

2 federal disasters brought FEMA money here

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

Brought FEMA money into RotondaDeclared for Charlotte County only

2022

Hurricane Ian

3 households applied for aid $300 aid approved

2017

Hurricane Irma

14 households applied for aid $2K aid approved

Charlotte County has had 35 natural disasters declared since 1953, most often hurricanes and severe storms.

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. Rotonda covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Rotonda’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Rotonda. 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 Rotonda total about $4.6M 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.