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Natural hazards · Umatilla

Umatilla, FL natural hazards

Most of the natural-hazard damage FEMA expects in Umatilla comes from inland flooding, and overall the risk is low for a U.S. community. 10 federal disasters brought FEMA money into town.

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

How exposed is Umatilla?

36
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Umatilla to be higher than in 36% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding34%Hurricanes27%Tornadoes16%Strong wind8%Wildfire6%Everything else9%
By hazard

What Umatilla 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 4 years in the area

Hurricanes

27% of expected damage
Well above average · higher than 85% of U.S. places
Recorded about once every 4 years in the area

Tornadoes

16% of expected damage
Well above average · higher than 78% of U.S. places
Recorded about once every 65 years in the area

Strong wind

8% of expected damage
Well above average · higher than 92% of U.S. places
Recorded about once a year in the area

Wildfire

6% of expected damage
Well above average · higher than 93% of U.S. places

Lower here

HailCold wavesHeat wavesEarthquakesLandslidesLightningDrought

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 Umatilla flood?

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

of homes in flood zones
are insured
of all homes
are insured
No community discount. Umatilla 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.

What’s been done with FEMA grants

3buildings retrofitted against wind
1storm safe rooms built
Disasters that hit Umatilla

10 federal disasters brought FEMA money here

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

Brought FEMA money into UmatillaDeclared for Lake County only
2024

Hurricane Milton

743 households applied for aid $777K aid approved
2022

Hurricane Nicole

11 households applied for aid $14K aid approved
2022

Hurricane Ian

184 households applied for aid $59K aid approved
2017

Hurricane Irma

1,876 households applied for aid $697K aid approved $40K to the City of Umatilla for repairs
2008

Tropical Storm Fay

25 households applied for aid $18K aid approved $11K to the City of Umatilla for repairs
2007

Severe Storms and Tornadoes

2 households applied for aid
2004

Hurricane Jeanne

405 households applied for aid $700K aid approved $3K to the City of Umatilla for repairs
2004

Hurricane Ivan

12 households applied for aid $1K aid approved
2004

Hurricane Frances

422 households applied for aid $535K aid approved $6K to the City of Umatilla for repairs
2004

Tropical Storm Bonnie and Hurricane Charley

40 households applied for aid $35K aid approved
Lake County has had 29 natural disasters declared since 1953, most often hurricanes and freezes.
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. Umatilla 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 Umatilla’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Umatilla. 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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