Sumter County, FL Environment & Hazard Risk
Relatively Moderate natural hazard risk, led by hurricane. 296 storm events since 1996.
- Expected yearly loss
- $46.1M
- Relatively Low nationally
- Storm events since 1996
- 296
- Most often frost/freeze
- Flood insurance policies
- 2,912
- 4.1% of homes
- Hurricanes nearby
- 8
- 22 tropical storms or stronger since 1871
Natural hazard risk
FEMA National Risk Index, December 2025
Overall risk
Relatively Moderate
Score 87.6 of 100
Social vulnerability
Very High
Score 90.0 of 100
Community resilience
Relatively Moderate
Score 47.0 of 100
Community resilience runs the other way: a higher rating means a community can recover faster.
Building value exposed: $23.4B · Agriculture value exposed: $70.1M · Risk-adjusted yearly loss: $72.2M
Risk by hazard
- HurricaneRelatively High$18.3M/yr expected annual loss, about once every 4 years
- LightningRelatively High$978K/yr expected annual loss, about 93 events a year
- WildfireRelatively Moderate$1.3M/yr expected annual loss, about once every 212 years
- TornadoRelatively High$5.4M/yr expected annual loss, about once every 2 years
- Strong windRelatively High$1.4M/yr expected annual loss, about 1.2 events a year
- Heat waveRelatively Low$689K/yr expected annual loss, about 2.8 events a year
- Cold waveRelatively Low$668K/yr expected annual loss, about 3.4 events a year
- EarthquakeVery Low$141K/yr expected annual loss, about once every 2,299 years
- LandslideVery Low$199/yr expected annual loss, about once every 15 years
- HailVery Low$56.1K/yr expected annual loss, about 2.4 events a year
- DroughtVery Low$3,915/yr expected annual loss, about 17 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
- 2,912 of 70,279 (4.1%)
- Homes in high-risk flood zones
- 2,480
- Insured in high-risk zones
- 958 (39%)
- Flood claims since 1978
- 123
- Claims paid since 1978
- $1.5M
Flood claims paid per year
- Hurricane Milton$757K · 35 claims
- Hurricane Irma$104K · 17 claims
- Hurricane Jeanne$71.4K · 14 claims
- Flooding$53.6K · 5 claims
- Hurricane Frances$16.5K · 5 claims
- Torrential rain$8,872 · 1 claim
Storm history
Since 1996: 296 events, 2 deaths, $106M in damage
- Frost/Freeze71
- Thunderstorm Wind69
- Dense Fog56
- Hail26
- Lightning14 · 2 deaths
- Tropical Storm13
- Extreme Cold/Wind Chill11
- Tornado10
- Heavy Rain6
- Flood5
Events per year
17 tornadoes on record (EF0 4, EF1 1, EF3 1, F0 6, F1 1, F2 3).
Most damaging storms
Since 1996, ranked by deaths, injuries and damage
- TornadoEF3, 5.67 mi path, 335 yd wide02/02/2007
Royal, Sumter County
15 injured, $62M damage
What happened
The tornado first touched down near the southeast corner of The Villages south of Lake Miona and moved rapidly to the east northeast at 55 MPH into Lake County. A FEMA report to Sumter County emergency management officials detailed damage to 1,145 homes with 200 destroyed during the 6 minutes the tornado was on the ground. A National Weather Service storm survey estimated maximum winds of 140 MPH. No fatalities were recorded in Sumter County and 15 injuries is a rough estimate.
- Tropical Storm09/11/2017
Sumter
$18.9M damage
What happened
In Sumter County, winds from Hurricane Irma were estimated to be around 40-60 knots, with the highest wind reported being a gust to 53 knots at the CWOP station D5322 in The Villages. Rainfall was generally around 8 inches or greater, with the highest rain total being 11.34 inches at a mesonet station in Compressco. The wind resulted in damage to numerous homes and businesses, as well as knocking over trees and power lines. Sumter County Emergency Management reported that 5 homes or businesses were destroyed by Irma, 27 sustained major damage, and 688 had minor damage.||The total damage in Sumter County was estimated at $19 million, which included $5 million in individual assistance claims, and $14 million in public assistance claims including debris removal and emergency protective measures.
- Lightning09/02/1997
Wildwood, Sumter County
1 death, 2 injured
What happened
Lightning from the cirrus anvil of a distant thunderstorm struck and killed a nine year old child and injured two other children ages eleven and fifteen. The children were standing along the sidelines of the Wildwood High School football practice field. The nine year old male child died ten days after the strike.The nine year old child took the direct lightning hit and sustained major burn injuries to his forehead, chest, back and down the left side of his body to the soles of his feet. The two older children's injuries from the lighting were minor. The lightning struck nearly 35 minutes after a thunderstorm had passed over the field.
- Lightning06/15/2010
Lake Panasoffkee, Sumter County
1 death, 1 injured
What happened
Lightning struck a rotted 45-foot tall oak tree causing it to fall onto a manufactured home in Lake Panasoffkee. The two residents of the home were inside their living room when the tree fell onto them, killing a 59-year-old female and critically injuring a 58-year-old male.
- High Wind50 kt wind09/05/2004
Sumter
$8.4M damage
What happened
Hurricane Frances made landfall just after midnight on September 5th near Vero Beach as a Category 2 storm. The hurricane continued to move slowly west northwestward across central Florida to near Bartow by 2 pm, and just northeast of Tampa by 8 pm, when it was downgraded to a tropical storm. It then emerged back into the Gulf of Mexico near Hudson shortly before midnight. Hurricane Frances took almost 24 hours to move through the Florida peninsula. Frances continued northwestward through the northern gulf of Mexico, making a second landfall on the afternoon of September 6th in the Florida big bend near Tallahassee as a tropical storm. The damage totals listed were caused by trees downed on homes and overland and river flooding. In Polk County there were four indirect deaths reported; two were separate incidents of people falling off of a roof while cleaning storm debris and two FEMA contract employees were killed when their aircraft clipped a tower and crashed while they were spraying for mosquitoes due to excessive standing water from Hurricane Frances. In Highlands County there was one indirect death of a man falling off his roof while cleaning storm debris. In Sumter...
- Strong Wind40 kt wind09/26/2004
Sumter
$6M damage
What happened
Hurricane Jeanne followed the nearly the same path across Florida as Hurricane Frances three weeks earlier and was the unprecedented fourth hurricane to damage Florida during the 2004 hurricane season. The hurricane moved ashore along the east coast of Florida near Stuart late on September 25th with an eye 30 to 40 miles across. Jeanne took a course north of Lake Okeechobee and decreased to a tropical storm in eastern Polk County around 9 AM EDT on the 26th. The center of Jeanne curved north of Tampa Bay during the afternoon and travelled north along the coastal counties before exiting north through Levy County around 10 PM. In Highlands County there were 140 homes destroyed and 2,000 homes with major damage. Emergency Management estimated the total damage to be $452 million. A peak wind of 82 knots (94 MPH) was recorded in Sebring at 3 AM EST on 09/26/2004. In Polk County a peak wind gust of 67 knots (77 MPH) was recorded in both Frostproof and Bartow between 5-6 AM EST on 09/26/2004. In Hardee and Sumter Counties the damage was limited to trees falling on homes, vehicles, and power lines. The damage total was estimated by doubling the insured losses unless otherwise...
Drinking water
24 community water systems serve about 171,162 people. Violations since 2021.
2 systems had health-based violations, such as a contaminant over the legal limit or a missed treatment step. 2 systems had a violation of any kind still open at last report.
- North Sumter Utility 3wpsServes 45,214 · Groundwater · PrivateNo health violations
- Wildwood, City of (7 Wps)Serves 25,941 · Groundwater · Local governmentNo health violations+3 monitoring or reporting
- Little Sumter Utilities 3wpsServes 25,538 · Groundwater · PrivateNo health violations
- South Sumter UtilitiesServes 24,278 · Groundwater · Local governmentNo health violations
- Csu WTP No. 1Serves 19,699 · Groundwater · PrivateNo health violations
- Gibson Place UtilitiesServes 9,770 · Groundwater · PrivateNo health violations
- Lake Panasoffkee Water Assn 2wpsServes 4,642 · Groundwater · PrivateNo health violations+5 monitoring or reporting
- Village of Pine Ridge (Consec)Serves 3,914 · Purchased groundwater · Local governmentNo health violations
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
0 Superfund sites and 10 toxic release facilities in Sumter County
Superfund sites
None in this county.
Toxic release facilities
- Primus Pipe & Tube Inc.87,882 lbs released, Wildwood
- Great Southern Wood - Bushnell Inc.7,313 lbs released, Lake Panasoffkee
- Suwannee American Cement Co LLC6,796 lbs released, Sumterville
- Robbins Mfg Co5,776 lbs released, Webster
- Federal Correctional Complex Coleman526 lbs released, Coleman
- Metal Industries LLC - Bushnell Florida503 lbs released, Bushnell
- Mapei Corp0 lbs released, Wildwood
- Cemex Wildwood0 lbs released, Wildwood
- Highway Systems Inc0 lbs released, Sumterville
- Cemex Bushnell0 lbs released, Bushnell
Total: 108,796 lbs in 2024, 14,046 lbs to air.
Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk1 historic places
Frequently asked questions
- How risky is Sumter County for natural disasters?
- FEMA rates Sumter County relatively moderate for overall natural hazard risk, with expected losses of $46.1M a year. The highest-rated hazards are hurricane (relatively high), lightning (relatively high), wildfire (relatively moderate).
- What storms are most common in Sumter County?
- Since 1996, NOAA recorded 296 storm events affecting Sumter County, most often frost/freeze (71), thunderstorm wind (69), dense fog (56).
- How many tornadoes have hit Sumter County?
- 17 tornadoes have been recorded in Sumter County since 1950, including 1 rated F3/EF3 or stronger.
- How many homes in Sumter County have flood insurance?
- 2,912 residential flood insurance policies are in force in Sumter County, covering about 4.1% of homes. The program has paid $1.5M on 123 claims here since 1978.
- What is the weather like in Sumter County?
- At Bushnell 1 E, average highs reach 91°F in Jul and lows fall to 43°F in Jan (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.