Natural hazards · Silver Lake

Silver Lake, FL natural hazards

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

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

Expected damage

How exposed is Silver Lake?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Silver Lake to be higher than in 31% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding43%Hurricanes26%Tornadoes18%Strong wind7%Everything else6%

By hazard

What Silver Lake faces

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

Inland flooding

43% of expected damage

Well below average · higher than 19% of U.S. places

Recorded about once every 4 years in the area

Hurricanes

26% of expected damage

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

Recorded about once every 4 years in the area

Tornadoes

18% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once every 93 years in the area

Strong wind

7% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once a year in the area

Lower here

HailCold wavesHeat wavesWildfireEarthquakesLandslidesLightningDrought

Not a risk here

Coastal floodingIce stormsWinter weatherAvalanchesTsunamisVolcanic 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 Silver Lake flood?

FEMA's records show no paid flood insurance claims in Silver Lake.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Silver Lake 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 Silver Lake

Federal disasters declared here

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

Brought FEMA money into Silver LakeDeclared for Lake County only

Lake County has had 29 natural disasters declared since 1953, most often hurricanes and freezes.

Around Silver Lake

Silver Lake and the towns around it

Very lowLowModerateHighVery high

Leesburgmostly inland floodingLow

Silver Lakemostly 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. Silver Lake 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 Silver Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to Silver Lake. 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.