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Natural hazards · Windermere

Windermere, FL natural hazards

Most of the natural-hazard damage FEMA expects in Windermere comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 4 claims here since 2004. 7 federal disasters brought FEMA money into town.

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

How exposed is Windermere?

51
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Windermere to be higher than in 51% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding50%Hurricanes20%Tornadoes10%Strong wind9%Cold waves6%Everything else4%
By hazard

What Windermere faces

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

Inland flooding

50% of expected damage
Below average · higher than 45% of U.S. places
Recorded about once every 3 years in the area

Hurricanes

20% of expected damage
Well above average · higher than 85% of U.S. places
Recorded about once every 4 years in the area

Tornadoes

10% 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

Cold waves

6% of expected damage
Above average · higher than 72% of U.S. places
Recorded about 4 times 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 Windermere flood?

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

4paid claims since 2004
$21Kpaid to owners
0homes flooded more than once
20042026

Biggest named events

  • Hurricane Irma: 1 claim, $3K
  • Hurricane Charley: 1 claim, $8K
  • Low pressure system: 1 claim, $4K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Windermere 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 Windermere

7 federal disasters brought FEMA money here

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

Brought FEMA money into WindermereDeclared for Orange County only
2024

Hurricane Milton

585 households applied for aid $192K aid approved $569K to the Town of Windermere for repairs
2022

Hurricane Ian

844 households applied for aid $249K aid approved $655K to the Town of Windermere for repairs
2017

Hurricane Irma

1,374 households applied for aid $311K aid approved $599K to the Town of Windermere for repairs
2004

Hurricane Jeanne

245 households applied for aid $126K aid approved $561K to the Town of Windermere for repairs
2004

Hurricane Ivan

4 households applied for aid
2004

Hurricane Frances

196 households applied for aid $102K aid approved $554K to the Town of Windermere for repairs
2004

Tropical Storm Bonnie and Hurricane Charley

152 households applied for aid $64K aid approved $461K to the Town of Windermere for repairs
Orange County has had 30 natural disasters declared since 1953, most often hurricanes and fires.
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. Windermere 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 Windermere’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Windermere. 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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