Lake County, Florida: hazard risk
FEMA rates Lake County's overall risk Relatively Moderate (score 91.9 of 100, higher than 91% of rated U.S. counties); 4 of its 14 hazards are rated Relatively High or Very High, led by strong wind, lightning, tornado. Its storm record holds 414 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Strong Wind | Very High | 98.8 | $6.6M |
| Lightning | Very High | 97.5 | $2.5M |
| Tornado | Relatively High | 97.4 | $18M |
| Hurricane | Relatively High | 95.0 | $21M |
| Wildfire | Relatively Moderate | 96.0 | $4.5M |
| Riverine Flooding | Relatively Moderate | 92.3 | $46M |
| Heat Wave | Relatively Moderate | 79.8 | $1.4M |
| Landslide | Relatively Low | 66.8 | $4K |
| Cold Wave | Relatively Low | 63.3 | $1.5M |
| Earthquake | Relatively Low | 61.1 | $445K |
| Hail | Relatively Low | 43.7 | $191K |
| Drought | Relatively Low | 35.0 | $38K |
| Coastal Flooding | Very Low | 35.4 | $8K |
| Winter Weather | No Rating | 0.0 | $0 |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Severe thunderstorm wind | 154 | 5 | $2.8M | 47th of 67 | 2016th of 3,080 |
| Hail | 114 | 0 | $103K | 22nd of 67 | 1839th of 3,080 |
| Tornadoes | 62 | 23 | $185M | 33rd of 67 | 430th of 3,080 |
| Lightning | 16 | 2 | $615K | 36th of 67 | 462nd of 3,080 |
| Hurricanes and tropical storms | 15 | 4 | $46M | 64th of 67 | 463rd of 1,849 |
| Floods | 12 | 0 | $21M | 63rd of 67 | 2661st of 3,080 |
| Extreme cold | 7 | 0 | $4.4M | 33rd of 67 | 2252nd of 3,076 |
| Heavy rain | 5 | 0 | $13K | 55th of 67 | 1628th of 3,080 |
| High wind and dust storms | 5 | 3 | $44M | 26th of 67 | 2649th of 3,080 |
| Heat | 2 | 0 | – | 36th of 67 | 2342nd of 3,076 |
| Landslides and avalanches | 1 | 0 | $95K | 1st of 67 | 337th of 2,278 |
| Winter storms | 1 | 0 | – | 42nd of 67 | 3047th of 3,077 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Lake County record: every hazard by year and month, the deadliest events and FEMA's declarations.