Photo: Connor J Williams · CC BY 2.0On FEMA’s figures, Altamonte Springs faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Altamonte Springs gets a C+ for hazard risk: higher expected damage per building than 59% of U.S. towns, #81 of 638 in Florida. Most of that expected damage is river and rain flooding (66%), then hurricanes (22%). Flood insurance has paid 110 claims here since 1984.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What stands out about Altamonte Springs’ natural hazards
From FEMA’s model and FEMA’s records, below.
What Altamonte Springs faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Hurricanes
Tornadoes
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Altamonte Springs’ grade
River and rain flooding is 66% of the building damage FEMA expects in Altamonte Springs, and Altamonte Springs’ rate of river and rain flooding damage is higher than 61% of U.S. census tracts. Next is hurricanes at 22% (higher than 86% of U.S. census tracts).
C+ #81 of 638 in Florida; higher expected damage per building than 59% of U.S. towns (21,298).
Altamonte Springs’ residents live in 14 census tracts; FEMA’s figures are combined by where they live.
The typical Florida town has higher expected damage than 79% of U.S. towns; within the state, Altamonte Springs has less expected damage per building than 87% of Florida towns.
In dollars, FEMA expects about $11.9M a year in losses across Altamonte Springs: $9.3M to buildings, the rest to people and crops.
Does Altamonte Springs flood? Yes: 110 flood claims since 1984
Every paid claim on a federal flood insurance policy in Altamonte Springs, from FEMA’s records: 4.8 per 1,000 homes, more than 59% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Ian51 claims · $4.5M
- Hurricane Irma20 claims · $760K
- Hurricane Milton7 claims · $252K
Altamonte Springs is in FEMA’s Community Rating System (class 6) for its flood-proofing work.
Insurance rates: Seminole County.12 federal disasters brought FEMA money to Altamonte Springs
Disasters that paid out in Altamonte Springs itself (aid to households or repair grants to the City of Altamonte Springs), newest first, with that year’s flood claims.
- 2024Hurricane Milton3,498 households applied for aid$751K aid approved$313K to the City of Altamonte Springs for repairs7 flood claims paid for it, $252K
- 2023Hurricane Idalia$27K to the City of Altamonte Springs for repairs
- 2022Hurricane Nicole$31K to the City of Altamonte Springs for repairs
- 2022Hurricane Ian5,310 households applied for aid$3.4M aid approved$895K to the City of Altamonte Springs for repairs51 flood claims paid for it, $4.5M
- 2019Hurricane Dorian$78K to the City of Altamonte Springs for repairs
- 2017Hurricane Irma11,950 households applied for aid$5.1M aid approved$2.1M to the City of Altamonte Springs for repairs20 flood claims paid for it, $760K
Show all 12
- 2016Hurricane Matthew64 households applied for aid$2K aid approved$245K to the City of Altamonte Springs for repairs
- 2008Tropical Storm Fay56 households applied for aid$63K aid approved$325K to the City of Altamonte Springs for repairs2 flood claims paid for it, $16K
- 2004Hurricane Jeanne1,017 households applied for aid$702K aid approved$140K to the City of Altamonte Springs for repairs5 flood claims paid for it, $124K
- 2004Hurricane Ivan26 households applied for aid$3K aid approved
- 2004Hurricane Frances1,047 households applied for aid$658K aid approved$338K to the City of Altamonte Springs for repairs
- 2004Tropical Storm Bonnie and Hurricane Charley1,122 households applied for aid$492K aid approved$3.0M to the City of Altamonte Springs for repairs
Seminole County has had 25 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 2 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Seminole County, 1999–2007.
Old photos of Altamonte Springs after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Altamonte Springs archive →Altamonte Springs and its neighbors
Altamonte Springs is 6th of the 7 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Fern Park | Bless damage than 64% | river and rain flooding | 44 |
| Forest City | Bless damage than 60% | river and rain flooding | 13 |
| Maitland | B−more damage than 54% | river and rain flooding | 9 |
| Wekiwa Springs | C+more damage than 56% | river and rain flooding | 15 |
| Casselberry | C+more damage than 57% | river and rain flooding | 30 |
| Altamonte Springs | C+more damage than 59% | river and rain flooding | 110 |
| Lockhart | C+more damage than 63% | river and rain flooding | 2 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Altamonte Springs faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
- Altamonte Springs residents get 20% off flood insurance.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Altamonte Springs
Is Altamonte Springs at risk for natural disasters?
On FEMA’s National Risk Index, Altamonte Springs has higher expected damage per building than 59% of U.S. towns: C+ for hazard risk, #81 of 638 in Florida. Most of the expected damage is river and rain flooding (66%) and hurricanes (22%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Altamonte Springs flood?
Flood insurance has paid 110 claims in Altamonte Springs since 1984, $5.9M in all, or 4.8 per 1,000 homes, more than 59% of U.S. towns with a flood insurance record. 26 properties have flooded more than once. The most claims came from Hurricane Ian (51).
Is Altamonte Springs in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Seminole County, 47% of homes in mapped flood zones carry federal flood insurance, and 4.0% of all homes do.
How much is flood insurance in Altamonte Springs?
Altamonte Springs is in FEMA’s Community Rating System (class 6), which takes 20% off federal flood insurance policies for its flood-proofing work. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Altamonte Springs?
By FEMA money that reached Altamonte Springs, Hurricane Irma (2017): 11,950 households applied for aid, $5.1M approved, and $2.1M to the City of Altamonte Springs for repairs. By flood claims, Hurricane Ian: 51 paid, $4.5M.
Is Altamonte Springs at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (66%), and Altamonte Springs’ rate for it is higher than 61% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Altamonte Springs.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Altamonte Springs’ residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.