Natural hazards · Ocoee

Ocoee, TN natural hazards

Most of the natural-hazard damage FEMA expects in Ocoee comes from inland flooding, and overall the risk is high for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Ocoee?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ocoee to be higher than in 64% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding52%Tornadoes15%Strong wind11%Earthquakes6%Cold waves6%Everything else9%

By hazard

What Ocoee faces

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

Inland flooding

52% of expected damage

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

Recorded about once every 2 years in the area

Tornadoes

15% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 18 years in the area

Strong wind

11% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about 4 times a year in the area

Earthquakes

6% of expected damage

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

Cold waves

6% of expected damage

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

Recorded about once every 2 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesLightningDrought

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 Ocoee flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Polk County.

Disasters that hit Ocoee

1 federal disaster brought FEMA money here

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

Brought FEMA money into OcoeeDeclared for Polk County only

2003

Severe Storms, Tornadoes, and Flooding

3 households applied for aid $891 aid approved

Polk County has had 19 natural disasters declared since 1953, most often severe storms and winter 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. Ocoee 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 Ocoee’s own flood-insurance community; household aid to the registrant’s city; repair grants to Ocoee. 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.