Natural hazards · Sky Lake

Sky Lake, FL natural hazards

Most of the natural-hazard damage FEMA expects in Sky Lake comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 2 claims here since 2017.

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

Expected damage

How exposed is Sky Lake?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Sky Lake to be higher than in 60% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding47%Hurricanes16%Cold waves15%Tornadoes11%Strong wind6%Everything else5%

By hazard

What Sky Lake faces

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

Inland flooding

47% of expected damage

Above average · higher than 64% of U.S. places

Recorded about once every 3 years in the area

Hurricanes

16% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about once every 4 years in the area

Cold waves

15% of expected damage

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

Recorded about 4 times a year in the area

Tornadoes

11% of expected damage

Above average · higher than 67% of U.S. places

Strong wind

6% of expected damage

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

Recorded about once a year in the area

Lower here

HailHeat wavesWildfireEarthquakesLightning

Not a risk here

Coastal floodingIce stormsWinter weatherLandslidesDroughtAvalanchesTsunamisVolcanic 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 Sky Lake flood?

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

2paid claims since 2017

$85Kpaid to owners

0homes flooded more than once

20172026

Biggest named events

Hurricane Ian: 1 claim, $79K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Sky 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: Orange County.

Disasters that hit Sky Lake

Federal disasters declared here

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

Brought FEMA money into Sky LakeDeclared for Orange County only

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

Around Sky Lake

Sky Lake and the towns around it

Very lowLowModerateHighVery high

Sky Lakemostly inland floodingHigh

Pine Castlemostly 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. Sky Lake covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Sky Lake’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Sky Lake. 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 Sky Lake total about $1.3M 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.