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Natural hazards · Florida

Florida, NY natural hazards

Most of the natural-hazard damage FEMA expects in Florida comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 16 claims here since 1980. 10 federal disasters brought FEMA money into town.

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

How exposed is Florida?

26
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Florida to be higher than in 26% of U.S. communities, mostly from inland flooding.

Inland flooding63%Hurricanes12%Cold waves8%Everything else17%
By hazard

What Florida faces

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

Inland flooding

63% of expected damage
Below average · higher than 45% of U.S. places
Recorded about 3 times a year in the area

Hurricanes

12% of expected damage
Well above average · higher than 82% of U.S. places
Recorded about once every 12 years in the area

Cold waves

8% of expected damage
Below average · higher than 35% of U.S. places
Recorded about once a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Florida flood?

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

16paid claims since 1980
$541Kpaid to owners
1homes flooded more than once
19802026

Biggest named events

  • Hurricane Irene: 4 claims, $404K
  • Torrential rain: 2 claims, $11K
  • Hurricane Floyd: 2 claims, $72K

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. Florida 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

3flood-prone properties bought out and cleared
Disasters that hit Florida

10 federal disasters brought FEMA money here

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

Brought FEMA money into FloridaDeclared for Orange County only
2021

Remnants of Hurricane Ida

5 households applied for aid $3K aid approved $227K to the Village of Florida for repairs
2012

Hurricane Sandy

20 households applied for aid $1K aid approved
2011

Remnants of Tropical Storm Lee

3 households applied for aid $3K aid approved $2K to the Village of Florida for repairs
2011

Hurricane Irene

70 households applied for aid $158K aid approved $9K to the Village of Florida for repairs
2010

Severe Storms and Flooding

$6K to the Village of Florida for repairs
2007

Severe Storms and Inland and Coastal Flooding

8 households applied for aid $8K aid approved $6K to the Village of Florida for repairs
2005

Severe Storms and Flooding

3 households applied for aid $3K aid approved
2004

Severe Storms and Flooding

1 household applied for aid
2003

Snow

$4K to the Village of Florida for repairs
2002

Snowstorms

$4K to the Village of Florida for repairs
Orange County has had 27 natural disasters declared since 1953, most often severe storms and hurricanes.
Around Florida

Florida and the towns around it

Warwick: Moderate, mostly inland floodingGoshen: Very low, mostly inland floodingMinisink: Low, mostly inland floodingWawayanda: Very low, mostly inland floodingTuxedo: Moderate, mostly inland floodingTuxedo: Moderate, mostly inland floodingVernon: Low, mostly inland floodingChester: Low, mostly inland floodingWest Milford: High, mostly inland floodingRingwood: High, mostly inland floodingHamptonburgh: Low, mostly inland floodingBlooming Grove: Low, mostly inland floodingChester: Very low, mostly inland floodingWallkill: Very low, mostly inland floodingFlorida: Low, mostly inland flooding FloridaWarwickGoshen
Very lowLowModerateHighVery high
Warwickmostly inland floodingModerate
Floridamostly inland floodingLow
Goshenmostly inland floodingVery low
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. Florida 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 Florida’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Florida. 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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