Natural hazards · Orlando

Orlando, OK natural hazards

Most of the natural-hazard damage FEMA expects in Orlando comes from cold waves, and overall the risk is very high for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Orlando?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Orlando to be higher than in 80% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves23%Inland flooding22%Tornadoes22%Drought15%Heat waves6%Everything else12%

By hazard

What Orlando faces

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

Cold waves

23% of expected damage

Below average · higher than 37% of U.S. places

Recorded about 2 times a year in the area

Inland flooding

22% of expected damage

Above average · higher than 73% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

22% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 3 years in the area

Drought

15% of expected damage

Recorded about 47 times a year in the area

Heat waves

6% of expected damage

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

Recorded about 19 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Orlando flood?

FEMA's records show no paid flood insurance claims in Orlando.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Orlando isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Logan County.

What’s been done with FEMA grants

15storm safe rooms built

Disasters that hit Orlando

3 federal disasters brought FEMA money here

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

Brought FEMA money into OrlandoDeclared for Logan County only

2020

Severe Winter Storm

$18K to the Town of Orlando for repairs

2007

Severe Storms, Flooding, and Tornadoes

1 household applied for aid $17K aid approved

2002

Severe Winter Ice Storm

$36K to the Town of Orlando for repairs

Logan County has had 37 natural disasters declared since 1953, most often severe storms and ice storms.

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. Orlando 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 Orlando’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Orlando. 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.