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DHazard risk
Natural hazards in Astor · FEMA

More hazard damage per building is expected in Astor than in 90% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Astor gets a D for hazard risk: higher expected damage per building than 90% of U.S. towns. Most of that expected damage is river and rain flooding (73%), then hurricanes (11%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 73%Hurricanes 11%Wildfire 9%

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

more than 90%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
D
in Florida · higher than 90% of U.S. towns
Main hazard
River and rain flooding
73% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
10
of 24 declared for Lake County
By hazard

What Astor 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

73%of expected building damage
Well above average · in the top 8% of U.S. census tracts
Recorded about once every 4 years in the area

Hurricanes

11%of expected building damage
Well above average · higher than 85% of U.S. census tracts
Recorded about once every 4 years in the area

Wildfire

9%of expected building damage
Well above average · in the top 4% of U.S. census tracts
Smaller shares here
 Tornadoes Strong wind Coastal flooding Earthquakes Cold waves Lightning Hail Heat waves Landslides
FEMA models no building damage here
Winter stormsIce stormsAvalanchesTsunamisVolcanic activity

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Astor’s grade

River and rain flooding is 73% of the building damage FEMA expects in Astor, and Astor’s rate of river and rain flooding damage is in the top 8% of U.S. census tracts. Wildfire adds 9%, at a rate in the top 4% of U.S. census tracts.

Where Astor sits
Astor
Least damageMiddleMost damage

D higher expected damage per building than 90% of U.S. towns (21,298).

All of Astor’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding73%Hurricanes11%Wildfire9%Everything else7%

In dollars, FEMA expects about $737K a year in losses across Astor: $648K to buildings, the rest to people and crops.

Recent disaster.FEMA’s model looks at expected damage to the buildings standing today. After Hurricane Irma in 2017, FEMA took 574 aid registrations from Astor addresses (the town has 1,088 homes).
Shared tract.All of Astor’s 1,759 residents (2020 census) live in one census tract. FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Astor flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Astor. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

Astor isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Lake County.
What’s been done with FEMA grants
2buildings retrofitted against wind
Disasters

10 federal disasters brought FEMA money to Astor

Disasters that paid out in Astor itself (aid to households or repair grants to Astor), newest first, with that year’s flood claims.

  1. 2024Hurricane Milton182 households applied for aid$346K aid approved
  2. 2022Hurricane Nicole54 households applied for aid$55K aid approved
  3. 2022Hurricane Ian441 households applied for aid$869K aid approved
  4. 2017Hurricane Irma574 households applied for aid$547K aid approved
  5. 2016Hurricane Matthew10 households applied for aid$4K aid approved
  6. 2008Tropical Storm Fay86 households applied for aid$95K aid approved
Show all 10
  1. 2004Hurricane Jeanne143 households applied for aid$270K aid approved
  2. 2004Hurricane Ivan9 households applied for aid$8K aid approved
  3. 2004Hurricane Frances220 households applied for aid$281K aid approved
  4. 2004Tropical Storm Bonnie and Hurricane Charley21 households applied for aid$29K aid approved
Disasters declared, by decade
Paid out in AstorLake County only

Lake County has had 24 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 Lake County, 2000–2007.

Were you here?

Old photos of Astor after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Astor archive →
Be ready

Get ready for what Astor faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Hurricane season
  • 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.
More from Ready.gov ↗
Wildfire
  • Clear dead leaves and brush within 5 feet of the house.
  • Sign up for local alerts and know two ways out.
  • Keep N95 masks for smoky days.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Astor

Is Astor at risk for natural disasters?

On FEMA’s National Risk Index, Astor has higher expected damage per building than 90% of U.S. towns: D for hazard risk. Most of the expected damage is river and rain flooding (73%) and hurricanes (11%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.

Is Astor 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 Lake County, 24% of homes in mapped flood zones carry federal flood insurance, and 2.5% of all homes do.

How much is flood insurance in Astor?

FEMA’s Community Rating System list shows no discount for Astor’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

What was the biggest storm in Astor?

By FEMA money that reached Astor, Hurricane Ian (2022): 441 households applied for aid, $869K approved.

Is Astor at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (73%), and Astor’s rate for it is in the top 8% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Astor.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Astor’s 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.