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Risk: Relatively Moderate

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

Flood claims paid per year in Sumter County
Beta
  • 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
Beta

Events per year

Storm events per year in Sumter County
14
10
8
5
20
12
2
6
2
8
3
2
6
4
2
6
6
4
2
1
Beta

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.

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

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.

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