Osceola County, Florida: hazard risk
FEMA rates Osceola County's overall risk Relatively Moderate (score 92.0 of 100, higher than 91% of rated U.S. counties); 4 of its 13 hazards are rated Relatively High or Very High, led by strong wind, lightning, hurricane. Its storm record holds 297 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 | 99.8 | $27M |
| Lightning | Very High | 98.5 | $3.9M |
| Hurricane | Relatively High | 94.2 | $18M |
| Tornado | Relatively High | 93.6 | $11M |
| Wildfire | Relatively Moderate | 94.8 | $3.6M |
| Riverine Flooding | Relatively Moderate | 92.1 | $52M |
| Heat Wave | Relatively Low | 77.3 | $1.4M |
| Drought | Relatively Low | 43.4 | $95K |
| Cold Wave | Relatively Low | 34.1 | $538K |
| Landslide | Very Low | 46.6 | $1K |
| Earthquake | Very Low | 46.5 | $243K |
| Hail | Very Low | 21.9 | $83K |
| 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 | 102 | 0 | $624K | 63rd of 67 | 2490th of 3,080 |
| Hail | 92 | 0 | $71K | 40th of 67 | 2389th of 3,080 |
| Tornadoes | 43 | 25 | $418M | 57th of 67 | 1739th of 3,080 |
| Floods | 21 | 1 | $255M | 59th of 67 | 2550th of 3,080 |
| Hurricanes and tropical storms | 9 | 5 | $121M | 67th of 67 | 614th of 1,849 |
| Extreme cold | 5 | 0 | $5.2M | 44th of 67 | 2543rd of 3,076 |
| Heavy rain | 4 | 0 | – | 56th of 67 | 1648th of 3,080 |
| High wind and dust storms | 4 | 1 | $652M | 37th of 67 | 2805th of 3,080 |
| Lightning | 3 | 0 | $4.8M | 63rd of 67 | 1832nd of 3,080 |
| Heat | 1 | 0 | – | 37th of 67 | 2407th of 3,076 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Osceola County record: every hazard by year and month, the deadliest events and FEMA's declarations.