Natural hazards · Winter Park

Winter Park, FL natural hazards

Most of the natural-hazard damage FEMA expects in Winter Park comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 57 claims here since 1992. 10 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Winter Park?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Winter Park to be higher than in 49% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding48%Hurricanes20%Tornadoes10%Cold waves10%Strong wind8%Everything else5%

By hazard

What Winter Park faces

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

Inland flooding

48% 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 86% of U.S. places

Recorded about once every 4 years in the area

Tornadoes

10% of expected damage

Above average · higher than 67% of U.S. places

Cold waves

10% of expected damage

Above average · higher than 72% of U.S. places

Recorded about 4 times a year in the area

Strong wind

8% of expected damage

Well above average · higher than 97% 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 Winter Park flood?

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

57paid claims since 1992

$3.4Mpaid to owners

6homes flooded more than once

19922026

Biggest named events

Hurricane Ian: 24 claims, $2.6M
Hurricane Milton: 5 claims, $566K
Hurricane Frances: 3 claims, $31K

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 Park 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

8buildings retrofitted against wind

Disasters that hit Winter Park

10 federal disasters brought FEMA money here

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

Brought FEMA money into Winter ParkDeclared for Orange County only

2024

Hurricane Milton

1,548 households applied for aid $521K aid approved $384K to the City of Winter Park for repairs

2022

Hurricane Nicole

$23K to the City of Winter Park for repairs

2022

Hurricane Ian

4,101 households applied for aid $4.0M aid approved $1.6M to the City of Winter Park for repairs

2017

Hurricane Irma

7,909 households applied for aid $2.4M aid approved $2.3M to the City of Winter Park for repairs

2016

Hurricane Matthew

18 households applied for aid $2K aid approved $247K to the City of Winter Park for repairs

2008

Tropical Storm Fay

22 households applied for aid $1K aid approved $155K to the City of Winter Park for repairs

2004

Hurricane Jeanne

1,008 households applied for aid $923K aid approved $6.0M to the City of Winter Park for repairs

2004

Hurricane Ivan

31 households applied for aid

2004

Hurricane Frances

1,379 households applied for aid $1.2M aid approved $3.0M to the City of Winter Park for repairs

2004

Tropical Storm Bonnie and Hurricane Charley

4,192 households applied for aid $2.9M aid approved $4.6M to the City of Winter Park for repairs

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

Around Winter Park

Winter Park and the towns around it

Very lowLowModerateHighVery high

Orlandomostly inland floodingModerate

Maitlandmostly inland floodingModerate

Winter Parkmostly inland floodingModerate

Fairview Shoresmostly inland floodingLow

Eatonvillemostly 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. Winter Park covers 10 census tracts, combined by population.

Money that reached townFlood claims are matched to Winter Park’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Winter Park. 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 Park total about $11.7M 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.