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Natural hazards · Winter Garden

Winter Garden, FL natural hazards

Most of the natural-hazard damage FEMA expects in Winter Garden comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 13 claims here since 2003. 8 federal disasters brought FEMA money into town.

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

How exposed is Winter Garden?

48
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Winter Garden to be higher than in 48% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding39%Hurricanes20%Tornadoes12%Cold waves11%Strong wind10%Everything else9%
By hazard

What Winter Garden faces

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

Inland flooding

39% of expected damage
Below average · higher than 33% 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

12% of expected damage
Above average · higher than 71% of U.S. places

Cold waves

11% of expected damage
Above average · higher than 72% of U.S. places
Recorded about 4 times a year in the area

Strong wind

10% of expected damage
Well above average · higher than 98% of U.S. places
Recorded about once a year in the area

Lower here

HailHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Winter Garden flood?

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

13paid claims since 2003
$185Kpaid to owners
2homes flooded more than once
20032026

Biggest named events

  • December Nor'easter: 1 claim, $9K
  • Hurricane Ian: 1 claim, $4K
  • Hurricane Milton: 1 claim, $32K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

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

What’s been done with FEMA grants

1buildings retrofitted against wind
Disasters that hit Winter Garden

8 federal disasters brought FEMA money here

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

Brought FEMA money into Winter GardenDeclared for Orange County only
2024

Hurricane Milton

2,182 households applied for aid $1.4M aid approved $798K to the City of Winter Garden for repairs
2022

Hurricane Ian

2,542 households applied for aid $1.1M aid approved $693K to the City of Winter Garden for repairs
2017

Hurricane Irma

4,811 households applied for aid $1.3M aid approved $1.3M to the City of Winter Garden for repairs
2008

Tropical Storm Fay

6 households applied for aid $3K aid approved
2004

Hurricane Jeanne

837 households applied for aid $831K aid approved $101K to the City of Winter Garden for repairs
2004

Hurricane Ivan

13 households applied for aid $2K aid approved
2004

Hurricane Frances

462 households applied for aid $488K aid approved $154K to the City of Winter Garden for repairs
2004

Tropical Storm Bonnie and Hurricane Charley

299 households applied for aid $218K aid approved $98K to the City of Winter Garden for repairs
Orange County has had 30 natural disasters declared since 1953, most often hurricanes and fires.
Around Winter Garden

Winter Garden and the towns around it

Lake Butler: Moderate, mostly inland floodingHorizon West: Moderate, mostly inland floodingOcoee: Moderate, mostly inland floodingTildenville: Moderate, mostly inland floodingOakland: Moderate, mostly inland floodingBay Hill: Moderate, mostly inland floodingGotha: Low, mostly inland floodingBay Lake: Moderate, mostly inland floodingFour Corners: High, mostly inland floodingClarcona: High, mostly inland floodingParadise Heights: High, mostly inland floodingPine Hills: High, mostly inland floodingClermont: Moderate, mostly inland floodingWinter Garden: Moderate, mostly inland flooding Winter GardenLake ButlerHorizon WestOcoeeTildenvilleOakland
Very lowLowModerateHighVery high
Tildenvillemostly inland floodingModerate
Horizon Westmostly inland floodingModerate
Lake Butlermostly inland floodingModerate
Ocoeemostly inland floodingModerate
Winter Gardenmostly inland floodingModerate
Oaklandmostly inland floodingModerate
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. Winter Garden covers 6 census tracts, combined by population.
Money that reached townFlood claims are matched to Winter Garden’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Winter Garden. 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 Winter Garden total about $12.2M 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.

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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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