Natural hazards · South Apopka

South Apopka, FL natural hazards

Most of the natural-hazard damage FEMA expects in South Apopka comes from inland flooding, and overall the risk is low for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is South Apopka?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in South Apopka to be higher than in 37% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding34%Hurricanes21%Cold waves15%Tornadoes15%Strong wind9%Everything else6%

By hazard

What South Apopka faces

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

Inland flooding

34% of expected damage

Well below average · higher than 21% of U.S. places

Recorded about once every 3 years in the area

Hurricanes

21% of expected damage

Well above average · higher than 85% 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

15% of expected damage

Above average · higher than 71% of U.S. places

Strong wind

9% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about once a year in the area

Lower here

HailHeat wavesWildfireEarthquakesLandslidesLightning

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 South Apopka flood?

FEMA's records show no paid flood insurance claims in South Apopka.

of homes in flood zones
are insured

of all homes
are insured

No community discount. South Apopka 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 South Apopka

1 federal disaster brought FEMA money here

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

Brought FEMA money into South ApopkaDeclared for Orange County only

2017

Hurricane Irma

3 households applied for aid $2K aid approved

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

Around South Apopka

South Apopka and the towns around it

Very lowLowModerateHighVery high

Apopkamostly inland floodingModerate

South Apopkamostly 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. South Apopka covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to South Apopka’s own flood-insurance community; household aid to the registrant’s city; repair grants to South Apopka. 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 South Apopka total about $1.1M 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.