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Risk: Relatively High

Orange County, FL Environment & Hazard Risk

Relatively High natural hazard risk, led by strong wind. 593 storm events since 1996.

Expected yearly loss
$418M
Relatively High nationally
Storm events since 1996
593
Most often thunderstorm wind
Flood insurance policies
13,113
3.3% of homes
Hurricanes nearby
9
21 tropical storms or stronger since 1852

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Relatively High

Score 98.4 of 100

Social vulnerability

Relatively Low

Score 31.7 of 100

Community resilience

Relatively Moderate

Score 41.3 of 100

Community resilience runs the other way: a higher rating means a community can recover faster.

Building value exposed: $261B · Agriculture value exposed: $299M · Risk-adjusted yearly loss: $416M

Risk by hazard

  • Strong windVery High$33.4M/yr expected annual loss, about 1.1 events a year
  • LightningVery High$6.1M/yr expected annual loss, about 88 events a year
  • Cold waveVery High$48.1M/yr expected annual loss, about 3.9 events a year
  • TornadoVery High$45.4M/yr expected annual loss, about once every 1 year
  • HailRelatively High$7.1M/yr expected annual loss, about 2.2 events a year
  • HurricaneRelatively High$80.2M/yr expected annual loss, about once every 4 years
  • WildfireRelatively Moderate$9M/yr expected annual loss, about once every 112 years
  • Heat waveRelatively Moderate$5.3M/yr expected annual loss, about 2.0 events a year
  • EarthquakeRelatively Low$1.2M/yr expected annual loss, about once every 2,469 years
  • LandslideVery Low$1,022/yr expected annual loss, about once every 10 years
  • DroughtRelatively Low$40.4K/yr expected annual loss, about 15 events a year

Bars show the national percentile score (0 to 100) for each hazard. Dollar figures are expected annual losses to buildings, people and crops. Not rated here: avalanche, coastal flooding, ice storm, riverine flooding, tsunami, volcanic activity, winter weather.

Flood risk and insurance

National Flood Insurance Program and FEMA flood maps

Check the flood zone for an address

Homes with flood insurance
13,113 of 397,341 (3.3%)
Homes in high-risk flood zones
9,209
Insured in high-risk zones
4,067 (44%)
Flood claims since 1978
2,271
Claims paid since 1978
$73.1M

Flood claims paid per year

Flood claims paid per year in Orange County
Beta
  • Hurricane Ian$59.5M · 872 claims
  • Hurricane Irma$3.9M · 201 claims
  • Hurricane Milton$3.5M · 81 claims
  • Hurricane Charley$715K · 89 claims
  • Hurricane Frances$552K · 85 claims
  • Hurricane Jeanne$521K · 126 claims

Storm history

Since 1996: 593 events, 34 deaths, $1.4B in damage

  • Thunderstorm Wind227 · 2 deaths
  • Hail226
  • Lightning41 · 4 deaths
  • Funnel Cloud26
  • Tornado21 · 3 deaths
  • Heavy Rain11
  • Flood9
  • Tropical Storm7 · 16 deaths
  • Flash Flood6
  • Frost/Freeze4
Beta

Events per year

Storm events per year in Orange County
22
18
21
26
30
10
25
17
7
15
13
15
19
22
10
13
20
22
9
3
Beta

70 tornadoes on record (EF0 13, EF1 1, F0 21, F1 19, F2 9, F3 3).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • High Wind91 kt wind08/14/2004

    Orange

    3 deaths, $881M damage

    What happened

    Hurricane Charley made landfall over southwest Florida as a category four hurricane with estimated sustained wind speeds of 150 mph. Moving north northeast at about 25 mph Charley crossed central Florida maintaining hurricane intensity through Osceola, Orange, Seminole, and Volusia counties. In Osceola County, widespread power outages and damage were reported, mostly to roofs, pool enclosures, awnings, weak buildings, and mobile homes. Much of the damage was due to the thousands of trees blown down. The greatest damage occurred in northwest Osceola County as the eye wall passed over the communities of Poinciana, Kissimmee and St. Cloud. Dozens of planes and numerous hangars were destroyed at Kissimmee airport. The roof was blown off the gymnasium at Poinciana High School. Wind gusts to 65 knots (75 mph) were reported at the Kissimmee airport, but much of the area was subjected to winds similar to the 91 knots (105 mph) reported to the north at Orlando International Airport. Three tornadoes were reported with the hurricane. One was an F0 tornado associated with the outer rain bands. The other two tornado-like events produced large but narrow areas of blown down trees in...

  • Flood09/28/2022

    (Mco)orlando Intl Ar, Orange County

    $206M damage

    What happened

    Rainfall totals averaging between 8 to 12 inches, with locally higher amounts of up to 16 inches were reported, resulting in widespread and historic street, residential, urban, and poor drainage flooding throughout the county. The combined effects of Ian led to total estimated damages of approximately $206M across 1727 properties, mainly due to widespread and historic flooding.

  • Tropical Storm09/11/2017

    Orange

    6 deaths, $110M damage

    What happened

    Category 3 Hurricane Irma made landfall near Naples during the late afternoon of September 10. Irma then moved northward across west-central Florida during the evening and overnight while weakening to a Category 2 hurricane approximately 60 miles west of Orlando. A long duration of damaging winds occurred across Orange County, with a period of gusts to minimal hurricane force. The highest measured sustained wind was recorded at the Orlando International Airport ASOS (KMCO; 59 mph from the east at 0019LST on September 11) and the highest measured peak gust was 79 mph from the northeast at 1744LST on September 10. A peak wind gust of 91 mph was recorded at the top of the Disney Contemporary Resort in Orlando (106 feet above ground level) at 1950LST on September 10. The total estimated damage cost was $110 million. Damage occurred primarily to roof shingles, soffits, awnings, and pool enclosures. Numerous trees were uprooted or snapped, some falling onto homes resulting in additional structural damage. There were 6 fatalities indirectly related to Hurricane Irma, one resulting from an vehicle accident during heavy rain and strong winds, two due to electrocutions (downed power line...

  • TornadoF3, 14 mi path, 200 yd wide02/23/1998

    Winter Garden, Orange County

    3 deaths, 70 injured, $15M damage

    What happened

    The Lake County tornado moved into Orange County about 5 miles southwest of Winter Garden moving northeast at 45 mph. It rapidly intensified to a category F3 tornado with estimated winds near 200 mph. The tornado moved through Winter Garden between 11:47 pm and 11:55 pm destroying a mobile home community in Winter Garden. There were three fatalities and 70 injuries. Five hundred structures were either damaged or destroyed.

  • Strong Wind67 kt wind09/26/2004

    Orange

    $58M damage

    What happened

    As the center of Hurricane Jeanne crossed Okeechobee County and moved into west Central Florida, wind gusts to near 80 mph crossed the county. No direct wind or pressure observations were available in the county from Jeanne. Winds gusting to hurricane force damaged and destroyed residences and mobile homes, damaged roofs and out buildings. Damage estimates were near $10 million. In Osceola County gusts to hurricane strength damaged and destroyed residences with an estimated $11 million in damage. Agricultural damage, mainly to citrus, was $8 million. Orange County was also hit hard by the rain bands on the north side of Hurricane Jeanne. Extensive damage to residences, businesses and public buildings were reported across the county. Damage estimates were over $40 million. The highest wind was 67 knots (76 mph) at Orlando International Airport. The lowest pressure was 985.1 mb also at Orlando International Airport. Seminole County suffered around $4 million in damage to residences, mobile homes, roofs pool enclosures fences and out buildings. Agriculture damage was near $3.6 million to citrus and the nursery industry. Highest wind in the county was 60 knots (69 mph) at...

  • Tropical Storm10/09/2024

    Orange

    5 deaths, $1.6M damage

    What happened

    Orange County Emergency Management reported scattered instances of downed trees and powerlines due to Hurricane Milton���s winds which surface observations indicate peaked between 55 to 75 mph, locally as high as 87 mph. Rainfall totals ranged between 4 to 8 inches and locally up to 10 inches, which did lead to substantial urban, street, and low-lying type flooding. A preliminary damage assessment reported a total of|188 structures affected, 79 with minor damage, and 32 with major damage. A cumulative cost assessment is not available at this time.||There were five known indirect storm-related fatalities reported by the medical examiner in Orange County. A 67-year-old male was electrocuted when he came in contact with a downed high voltage electrical wire while cleaning yard debris. A 60-year-old female evacuee died in her hotel room after experiencing stress following her evacuation. A 41-year-old male died from a heart attack while cleaning up yard debris after the storm. A 98-year-old male fell and died in his home during a power outage caused by the storm. A 67-year-old male died after falling off of his roof while cleaning up storm debris.

Drinking water

45 community water systems serve about 1,616,684 people. Violations since 2021.

3 systems had health-based violations, such as a contaminant over the legal limit or a missed treatment step. 13 systems had a violation of any kind still open at last report.

Largest systems by population served. Monitoring and reporting violations mean required tests or notices were late or missing, not that the water was unsafe.

Pollution sites

3 Superfund sites and 53 toxic release facilities in Orange County

Toxic release facilities

Total: 1.2 million lbs in 2024, 785,189 lbs to air.

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk37 historic places

Frequently asked questions

How risky is Orange County for natural disasters?
FEMA rates Orange County relatively high for overall natural hazard risk, with expected losses of $418M a year. The highest-rated hazards are strong wind (very high), lightning (very high), cold wave (very high).
What storms are most common in Orange County?
Since 1996, NOAA recorded 593 storm events affecting Orange County, most often thunderstorm wind (227), hail (226), lightning (41).
How many tornadoes have hit Orange County?
70 tornadoes have been recorded in Orange County since 1950, including 3 rated F3/EF3 or stronger.
How many homes in Orange County have flood insurance?
13,113 residential flood insurance policies are in force in Orange County, covering about 3.3% of homes. The program has paid $73.1M on 2,271 claims here since 1978.
What is the weather like in Orange County?
At Orlando Executive AP, average highs reach 92°F in Jul and lows fall to 52°F in Jan, with 51.5 inches of rain a year (1991-2020 normals).

Source: FEMA (National Risk Index, NFIP), NOAA (Storm Events, HURDAT2, Climate Normals), EPA · Last updated 08/01/2026 · Storm counts include events in forecast zones that touch the county. This product uses the FEMA OpenFEMA API, but is not endorsed by FEMA.

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