Natural hazards · Winter Springs

Winter Springs, FL natural hazards

Most of the natural-hazard damage FEMA expects in Winter Springs comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 82 claims here since 1995. 10 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Winter Springs?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Winter Springs to be higher than in 67% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding59%Tornadoes18%Hurricanes15%Everything else7%

By hazard

What Winter Springs faces

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

Inland flooding

59% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

18% of expected damage

Above average · higher than 69% of U.S. places

Hurricanes

15% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about once every 4 years in the area

Lower here

HailCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Springs flood?

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

82paid claims since 1995

$4.8Mpaid to owners

10homes flooded more than once

19952026

Biggest named events

Hurricane Ian: 52 claims, $3.9M
Hurricane Irma: 15 claims, $692K
Tropical Storm Fay: 7 claims, $115K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

🏷️ 20% off flood insurance. Winter Springs is in FEMA’s Community Rating System (class 6) for its flood-proofing work.

Insurance rates: Seminole County.

What’s been done with FEMA grants

7buildings retrofitted against wind

4homes raised above flood level

2storm safe rooms built

1flood-prone properties bought out and cleared

Disasters that hit Winter Springs

10 federal disasters brought FEMA money here

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

Brought FEMA money into Winter SpringsDeclared for Seminole County only

2024

Hurricane Milton

1,811 households applied for aid $241K aid approved $523K to the City of Winter Springs for repairs

2022

Hurricane Ian

2,674 households applied for aid $3.6M aid approved $2.7M to the City of Winter Springs for repairs

2017

Hurricane Irma

5,352 households applied for aid $1.9M aid approved $1.3M to the City of Winter Springs for repairs

2016

Hurricane Matthew

50 households applied for aid $3K aid approved $143K to the City of Winter Springs for repairs

2008

Tropical Storm Fay

50 households applied for aid $19K aid approved $251K to the City of Winter Springs for repairs

2007

Severe Storms and Tornadoes

1 household applied for aid

2004

Hurricane Jeanne

612 households applied for aid $243K aid approved $77K to the City of Winter Springs for repairs

2004

Hurricane Ivan

17 households applied for aid $4K aid approved

2004

Hurricane Frances

1,028 households applied for aid $624K aid approved $203K to the City of Winter Springs for repairs

2004

Tropical Storm Bonnie and Hurricane Charley

2,212 households applied for aid $841K aid approved $6.5M to the City of Winter Springs for repairs

Seminole County has had 29 natural disasters declared since 1953, most often hurricanes and freezes.

Around Winter Springs

Winter Springs and the towns around it

Very lowLowModerateHighVery high

Winter Springsmostly inland floodingHigh

Black Hammockmostly inland floodingHigh

Casselberrymostly inland floodingModerate

Oviedomostly inland floodingModerate

Longwoodmostly 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 Springs covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Winter Springs’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Winter Springs. 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 Springs total about $9.3M 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.