Seminole County, Florida: hazard risk
FEMA rates Seminole County's overall risk Relatively Moderate (score 91.4 of 100, higher than 91% of rated U.S. counties); 4 of its 14 hazards are rated Relatively High or Very High, led by tornado, strong wind, lightning. Its storm record holds 391 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 |
|---|---|---|---|
| Tornado | Relatively High | 97.6 | $26M |
| Strong Wind | Relatively High | 96.5 | $4.5M |
| Lightning | Relatively High | 95.8 | $2.6M |
| Hurricane | Relatively High | 94.7 | $25M |
| Riverine Flooding | Relatively Moderate | 92.7 | $66M |
| Wildfire | Relatively Moderate | 92.3 | $2.5M |
| Heat Wave | Relatively Low | 77.8 | $1.7M |
| Earthquake | Relatively Low | 65.9 | $786K |
| Cold Wave | Relatively Low | 28.8 | $484K |
| Hail | Very Low | 21.3 | $96K |
| Landslide | Very Low | 19.8 | $140 |
| Drought | Very Low | 18.1 | $3K |
| Coastal Flooding | No Rating | 0.0 | $0 |
| 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 | 153 | 1 | $2.4M | 6th of 67 | 419th of 3,080 |
| Hail | 135 | 0 | – | 2nd of 67 | 238th of 3,080 |
| Tornadoes | 31 | 12 | $79M | 11th of 67 | 44th of 3,080 |
| Floods | 16 | 1 | $271M | 22nd of 67 | 1546th of 3,080 |
| Lightning | 15 | 3 | $3.7M | 11th of 67 | 106th of 3,080 |
| Hurricanes and tropical storms | 10 | 2 | $676M | 37th of 67 | 209th of 1,849 |
| Extreme cold | 6 | 0 | $395K | 20th of 67 | 1332nd of 3,076 |
| Heavy rain | 5 | 0 | – | 27th of 67 | 707th of 3,080 |
| High wind and dust storms | 4 | 0 | $104M | 5th of 67 | 2172nd of 3,080 |
| Heat | 1 | 0 | – | 22nd of 67 | 2068th of 3,076 |
| Wildfires | 1 | 0 | $54M | 40th of 67 | 678th of 2,972 |
| Winter storms | 1 | 0 | – | 32nd of 67 | 3011th 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 Seminole County record: every hazard by year and month, the deadliest events and FEMA's declarations.