St. Cloud, FL natural hazards
Most of the natural-hazard damage FEMA expects in St. Cloud comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 34 claims here since 1994. 12 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is St. Cloud?
FEMA expects yearly storm and flood damage to homes and buildings in St. Cloud to be higher than in 77% of U.S. communities, mostly from inland flooding and strong winds.
What St. Cloud faces
Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.
Inland flooding
Strong wind
Hurricanes
Tornadoes
Lower here
Not a risk here
Does St. Cloud flood?
Every paid claim on a federal flood insurance policy in St. Cloud, from FEMA’s records.
Biggest named events
- Hurricane Ian: 8 claims, $288K
- Hurricane Irma: 7 claims, $104K
- Hurricane Frances: 2 claims, $4K
Homes that flooded again and again
■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times
are insured
are insured
What’s been done with FEMA grants
12 federal disasters brought FEMA money here
Disasters the President declared that paid out in St. Cloud itself: aid to households, or repair grants to the City of St. Cloud.
Hurricane Milton
Hurricane Nicole
Hurricane Ian
Hurricane Dorian
Hurricane Irma
Hurricane Matthew
Tropical Storm Fay
Hurricane Wilma
Hurricane Jeanne
Hurricane Ivan
Hurricane Frances
Tropical Storm Bonnie and Hurricane Charley
How to read this page
FEMA’s expected losses across St. Cloud total about $13.1M 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.