For strong wind, Clarcona’s building-damage rate is in the top 2% of U.S. census tracts
On FEMA’s National Risk Index, Clarcona gets a C+ for hazard risk: higher expected damage per building than 63% of U.S. towns, #101 of 638 in Florida. Most of that expected damage is river and rain flooding (56%), then hurricanes (20%). FEMA’s files show no paid flood insurance claims here.
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 Clarcona 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
Strong wind
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 Clarcona’s grade
River and rain flooding is 56% of the building damage FEMA expects in Clarcona, and Clarcona’s rate of river and rain flooding damage is higher than 53% of U.S. census tracts. Strong wind adds 9%, at a rate in the top 2% of U.S. census tracts.
C+ #101 of 638 in Florida; higher expected damage per building than 63% of U.S. towns (21,298).
Clarcona’s residents live in 5 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, Clarcona has less expected damage per building than 84% of Florida towns.
In dollars, FEMA expects about $930K a year in losses across Clarcona: $692K to buildings, the rest to people and crops.
Does Clarcona flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Clarcona. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Clarcona isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Orange County.1 federal disaster brought FEMA money to Clarcona
Disasters that paid out in Clarcona itself (aid to households or repair grants to Clarcona), newest first, with that year’s flood claims.
- 2004Hurricane Jeanne2 households applied for aid$909 aid approved
Orange County has had 25 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 3 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Orange County, 1999–2001.
Old photos of Clarcona after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Clarcona archive →Clarcona and its neighbors
Clarcona is 3rd of the 4 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 |
|---|---|---|---|
| Apopka | B−more damage than 53% | river and rain flooding | 2 |
| Ocoee | C+more damage than 62% | river and rain flooding | 17 |
| Clarcona | C+more damage than 63% | river and rain flooding | 0 |
| Pine Hills | Cmore damage than 69% | river and rain flooding | 12 |
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 Clarcona 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Clarcona
Is Clarcona at risk for natural disasters?
On FEMA’s National Risk Index, Clarcona has higher expected damage per building than 63% of U.S. towns: C+ for hazard risk, #101 of 638 in Florida. Most of the expected damage is river and rain flooding (56%) and hurricanes (20%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Clarcona 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 Orange County, 44% of homes in mapped flood zones carry federal flood insurance, and 3.3% of all homes do.
How much is flood insurance in Clarcona?
FEMA’s Community Rating System list shows no discount for Clarcona’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 Clarcona?
By FEMA money that reached Clarcona, Hurricane Jeanne (2004): 2 households applied for aid, $909 approved.
Is Clarcona at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (56%), and Clarcona’s rate for it is higher than 53% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Clarcona.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Clarcona’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.