Risk Index · Orange County · 2026-06-13
Orlando, FL real-estate risk
- Risk score
- 98.4/100
- Relatively High
- Expected annual loss
- $418M
- all hazards, county-wide
- Buildings-only loss
- $325M
- what owners and insurers carry
- Population
- 1.4M
- Orange County
Orlando, FL (Orange County) carries a FEMA National Risk Index score of 98.4/100, rated "Relatively High" and driven mainly by strong wind and tornado, with roughly $418M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Strong wind99.9
- Tornado99.1
- Riverine flood98.4
- Hail98.2
- Hurricane98
- Wildfire97.4
- Heat wave94.1
- Earthquake75.4
- Drought34.5
Each score is the county's percentile against every US county for that hazard (0-100).
What it means for insurance
Coastal flood and hurricane exposure make property insurance the swing cost in this market. Premiums and deductibles here can move a deal's NOI by double digits. Treat the insurance binder as a Day-1 diligence item.
Orlando risk questions
Is Orlando, FL a high-risk area for real estate?
Orlando scores 98.4/100 on FEMA's National Risk Index, rated "Relatively High" versus all US counties. Its expected natural-hazard loss is about $418M per year.
What is the biggest natural hazard in Orlando?
The highest-rated hazard is strong wind (99.9/100), followed by tornado (99.1/100).
How does hazard risk affect property insurance in Orlando?
Coastal flood and hurricane exposure make property insurance the swing cost in this market. Premiums and deductibles here can move a deal's NOI by double digits. Treat the insurance binder as a Day-1 diligence item.
Source: FEMA National Risk Index (Counties), v1.20 (2026-06-13). Scores are national percentiles (0-100). Insurance commentary is PropHunt's interpretation of the hazard data, not an insurance quote.