Photo: Connor J. Williams · CC BY 3.0FEMA expects more hazard damage per building in Deltona than in 85% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Deltona gets a C− for hazard risk: higher expected damage per building than 85% of U.S. towns, #379 of 638 in Florida. Most of that expected damage is river and rain flooding (53%), then hurricanes (40%). Flood insurance has paid 87 claims here since 2003.
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 Deltona’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Deltona 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
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 Deltona’s grade
River and rain flooding is 53% of the building damage FEMA expects in Deltona, and Deltona’s rate of river and rain flooding damage is higher than 73% of U.S. census tracts. Hurricanes add 40%, at a rate in the top 8% of U.S. census tracts.
C− #379 of 638 in Florida; higher expected damage per building than 85% of U.S. towns (21,298).
Deltona’s residents live in 23 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, Deltona has more expected damage per building than 59% of Florida towns.
Among the 400 U.S. cities of 100,000 or more, Deltona has higher expected damage per building than 78% (#312 of 400). Because it is so big, its total expected yearly loss, $25.3M, is the 371th largest of those 400.
Does Deltona flood? Sometimes: 87 flood claims since 2003
Every paid claim on a federal flood insurance policy in Deltona, from FEMA’s records: 2.5 per 1,000 homes, fewer than 57% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Ian52 claims · $4.0M
- Hurricane Milton14 claims · $652K
- Tropical Storm Fay9 claims · $223K
Deltona is in FEMA’s Community Rating System (class 9) for its flood-proofing work.
Insurance rates: Volusia County.15 federal disasters brought FEMA money to Deltona
Disasters that paid out in Deltona itself (aid to households or repair grants to the City of Deltona), newest first, with that year’s flood claims.
- 2024Hurricane Milton6,749 households applied for aid$2.0M aid approved$2.0M to the City of Deltona for repairs14 flood claims paid for it, $652K
- 2023Hurricane Idalia$11K to the City of Deltona for repairs
- 2022Hurricane Nicole403 households applied for aid$237K aid approved$9K to the City of Deltona for repairs
- 2022Hurricane Ian10,404 households applied for aid$6.0M aid approved$4.7M to the City of Deltona for repairs52 flood claims paid for it, $4.0M
- 2019Hurricane Dorian$46K to the City of Deltona for repairs
- 2017Hurricane Irma14,362 households applied for aid$3.8M aid approved$3.9M to the City of Deltona for repairs1 flood claim paid that year
Show all 15
- 2016Hurricane Matthew1,298 households applied for aid$101K aid approved$1.6M to the City of Deltona for repairs
- 2009Severe Storms, Flooding, Tornadoes, and Straight-line Winds25 households applied for aid$21K aid approved1 flood claim paid that year
- 2008Tropical Storm Fay612 households applied for aid$531K aid approved$911K to the City of Deltona for repairs9 flood claims paid for it, $223K
- 2004Hurricane Jeanne2,065 households applied for aid$1.2M aid approved$1.8M to the City of Deltona for repairs2 flood claims paid for it, $11K
- 2004Hurricane Ivan86 households applied for aid$12K aid approved
- 2004Hurricane Frances6,398 households applied for aid$4.5M aid approved$4.2M to the City of Deltona for repairs
- 2004Tropical Storm Bonnie and Hurricane Charley7,378 households applied for aid$3.7M aid approved$3.5M to the City of Deltona for repairs
- 1999Fl-hurricane Irene-dr-req$5K to the City of Deltona for repairs
- 1999Hurricane Floyd Major Disaster Declarations$27K to the City of Deltona for repairs
Volusia County has had 30 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 Volusia County, 2006–2007.
Old photos of Deltona after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Deltona archive →Deltona and its neighbors
Deltona 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 |
|---|---|---|---|
| DeLand | C−more damage than 79% | hurricanes | 16 |
| DeBary | C−more damage than 84% | river and rain flooding | 87 |
| Deltona | C−more damage than 85% | river and rain flooding | 87 |
| Orange City | Dmore damage than 85% | river and rain flooding | 19 |
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 Deltona 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.
- 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.
- Deltona residents get 05% off flood insurance.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Deltona
Is Deltona at risk for natural disasters?
On FEMA’s National Risk Index, Deltona has higher expected damage per building than 85% of U.S. towns: C− for hazard risk, #379 of 638 in Florida. Most of the expected damage is river and rain flooding (53%) and hurricanes (40%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Deltona flood?
Flood insurance has paid 87 claims in Deltona since 2003, $5.1M in all, or 2.5 per 1,000 homes, fewer than 57% of U.S. towns with a flood insurance record. 14 properties have flooded more than once. The most claims came from Hurricane Ian (52).
Is Deltona 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 Volusia County, 57% of homes in mapped flood zones carry federal flood insurance, and 11.1% of all homes do.
How much is flood insurance in Deltona?
Deltona is in FEMA’s Community Rating System (class 9), which takes 05% 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 Deltona?
By FEMA money that reached Deltona, Hurricane Ian (2022): 10,404 households applied for aid, $6.0M approved, and $4.7M to the City of Deltona for repairs. By flood claims, Hurricane Ian: 52 paid, $4.0M.
Is Deltona at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (53%), and Deltona’s rate for it is higher than 73% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Deltona.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Deltona’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.