Photo: Connor J Williams · CC BY 2.0On FEMA’s figures, Casselberry 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, Casselberry gets a C+ for hazard risk: higher expected damage per building than 57% of U.S. towns, #69 of 638 in Florida. Most of that expected damage is river and rain flooding (66%), then hurricanes (23%). Flood insurance has paid 30 claims here since 1992.
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 Casselberry’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Casselberry 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 Casselberry’s grade
River and rain flooding is 66% of the building damage FEMA expects in Casselberry, and Casselberry’s rate of river and rain flooding damage is higher than 59% of U.S. census tracts. Next is hurricanes at 23% (higher than 86% of U.S. census tracts).
C+ #69 of 638 in Florida; higher expected damage per building than 57% of U.S. towns (21,298).
Casselberry’s residents live in 13 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, Casselberry has less expected damage per building than 89% of Florida towns.
In dollars, FEMA expects about $6.5M a year in losses across Casselberry: $4.9M to buildings, the rest to people and crops.
Does Casselberry flood? Sometimes: 30 flood claims since 1992
Every paid claim on a federal flood insurance policy in Casselberry, from FEMA’s records: 2.1 per 1,000 homes, fewer than 60% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Ian18 claims · $643K
- Hurricane Irma4 claims · $53K
- Tropical Storm Fay1 claim · $2K
Casselberry is in FEMA’s Community Rating System (class 7) for its flood-proofing work.
Insurance rates: Seminole County.12 federal disasters brought FEMA money to Casselberry
Disasters that paid out in Casselberry itself (aid to households or repair grants to the City of Casselberry), newest first, with that year’s flood claims.
- 2024Hurricane Milton1,754 households applied for aid$286K aid approved$412K to the City of Casselberry for repairs1 flood claim paid for it, $22K
- 2022Hurricane Nicole$21K to the City of Casselberry for repairs1 flood claim paid for it, $11K
- 2022Hurricane Ian2,727 households applied for aid$1.9M aid approved$613K to the City of Casselberry for repairs18 flood claims paid for it, $643K
- 2019Hurricane Dorian$50K to the City of Casselberry for repairs
- 2017Hurricane Irma5,664 households applied for aid$1.8M aid approved$1.1M to the City of Casselberry for repairs4 flood claims paid for it, $53K
- 2016Hurricane Matthew59 households applied for aid$20K aid approved$95K to the City of Casselberry for repairs1 flood claim paid that year
Show all 12
- 2009Severe Storms, Flooding, Tornadoes, and Straight-line Winds1 households applied for aid$8K aid approved1 flood claim paid that year
- 2008Tropical Storm Fay53 households applied for aid$32K aid approved$45K to the City of Casselberry for repairs1 flood claim paid for it, $2K
- 2004Hurricane Jeanne685 households applied for aid$379K aid approved$121K to the City of Casselberry for repairs
- 2004Hurricane Ivan27 households applied for aid$2K aid approved
- 2004Hurricane Frances956 households applied for aid$585K aid approved$205K to the City of Casselberry for repairs
- 2004Tropical Storm Bonnie and Hurricane Charley1,822 households applied for aid$872K aid approved$2.1M to the City of Casselberry 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 Casselberry after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Casselberry archive →Casselberry and its neighbors
Casselberry is 4th of the 6 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 |
| Goldenrod | Bless damage than 62% | river and rain flooding | 12 |
| Longwood | Bless damage than 57% | river and rain flooding | 14 |
| Casselberry | C+more damage than 57% | river and rain flooding | 30 |
| Altamonte Springs | C+more damage than 59% | river and rain flooding | 110 |
| Winter Springs | Cmore damage than 73% | river and rain flooding | 82 |
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 Casselberry 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.
- Casselberry residents get 15% off flood insurance.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Casselberry
Is Casselberry at risk for natural disasters?
On FEMA’s National Risk Index, Casselberry has higher expected damage per building than 57% of U.S. towns: C+ for hazard risk, #69 of 638 in Florida. Most of the expected damage is river and rain flooding (66%) and hurricanes (23%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Casselberry flood?
Flood insurance has paid 30 claims in Casselberry since 1992, $802K in all, or 2.1 per 1,000 homes, fewer than 60% of U.S. towns with a flood insurance record. The most claims came from Hurricane Ian (18).
Is Casselberry 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 Casselberry?
Casselberry is in FEMA’s Community Rating System (class 7), which takes 15% 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 Casselberry?
By FEMA money that reached Casselberry, Tropical Storm Bonnie and Hurricane Charley (2004): 1,822 households applied for aid, $872K approved, and $2.1M to the City of Casselberry for repairs. By flood claims, Hurricane Ian: 18 paid, $643K.
Is Casselberry at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (66%), and Casselberry’s rate for it is higher than 59% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Casselberry.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Casselberry’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.