Photo: Skyfaller · CC BY-SA 4.0More hazard damage per building is expected in Englewood than in 89% of U.S. towns, mostly from hurricanes
On FEMA’s National Risk Index, Englewood gets a D for hazard risk: higher expected damage per building than 89% of U.S. towns, #417 of 638 in Florida. Most of that expected damage is hurricanes (75%), then river and rain flooding (18%). Flood insurance has paid 2,435 claims here since 1982.
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 Englewood’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Englewood faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Hurricanes
River and rain flooding
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 Englewood’s grade
Hurricanes are 75% of the building damage FEMA expects in Englewood, and Englewood’s rate of hurricanes damage is in the top 5% of U.S. census tracts. Coastal flooding adds 5%, at a rate in the top 2% of U.S. census tracts.
D #417 of 638 in Florida; higher expected damage per building than 89% of U.S. towns (21,298).
Englewood’s residents live in 9 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, Englewood has more expected damage per building than 65% of Florida towns.
In dollars, FEMA expects about $11.6M a year in losses across Englewood: $10.5M to buildings, the rest to people and crops.
Does Englewood flood? Yes: 2,435 flood claims since 1982
Every paid claim on a federal flood insurance policy in Englewood, from FEMA’s records: 166.9 per 1,000 homes, more than 98% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Milton906 claims · $75.1M
- Hurricane Helene730 claims · $79.3M
- Hurricane Ian274 claims · $19.1M
Englewood isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Sarasota County.10 federal disasters brought FEMA money to Englewood
Disasters that paid out in Englewood itself (aid to households or repair grants to Englewood), newest first, with that year’s flood claims.
- 2024Hurricane Milton5,194 households applied for aid$24.8M aid approved906 flood claims paid for it, $75.1M
- 2024Hurricane Helene1,798 households applied for aid$13.2M aid approved730 flood claims paid for it, $79.3M
- 2024Hurricane Debby95 households applied for aid$91K aid approved
- 2023Hurricane Idalia77 households applied for aid$79K aid approved46 flood claims paid for it, $1.9M
- 2022Hurricane Ian11,805 households applied for aid$34.3M aid approved274 flood claims paid for it, $19.1M
- 2017Hurricane Irma2,770 households applied for aid$981K aid approved3 flood claims paid that year
Show all 10
- 2012Tropical Storm Debby10 households applied for aid$38K aid approved
- 2004Hurricane Jeanne46 households applied for aid$33K aid approved
- 2004Hurricane Frances34 households applied for aid$33K aid approved
- 2004Tropical Storm Bonnie and Hurricane Charley258 households applied for aid$108K aid approved
Its 2 counties have had 35 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 5 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in its 2 counties, 1999–2001.
Old photos of Englewood after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Englewood archive →Englewood and its neighbors
Englewood has the lowest expected damage per building of the 5 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Englewood | Dmore damage than 89% | hurricanes | 2,435 |
| South Venice | Dmore damage than 89% | hurricanes | 223 |
| Grove City | Dmore damage than 93% | hurricanes | 195 |
| Manasota Key | Dmore damage than 93% | hurricanes | — |
| North Port | Dmore damage than 94% | hurricanes | 229 |
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 Englewood faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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.
- 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 Englewood
Is Englewood at risk for natural disasters?
On FEMA’s National Risk Index, Englewood has higher expected damage per building than 89% of U.S. towns: D for hazard risk, #417 of 638 in Florida. Most of the expected damage is hurricanes (75%) and river and rain flooding (18%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Englewood flood?
Flood insurance has paid 2,435 claims in Englewood since 1982, $180M in all, or 166.9 per 1,000 homes, more than 98% of U.S. towns with a flood insurance record. The most claims came from Hurricane Milton (906).
Is Englewood 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 Sarasota County, 42% of homes in mapped flood zones carry federal flood insurance, and 18.0% of all homes do.
How much is flood insurance in Englewood?
FEMA’s Community Rating System list shows no discount for Englewood’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 Englewood?
By FEMA money that reached Englewood, Hurricane Ian (2022): 11,805 households applied for aid, $34.3M approved. By flood claims, Hurricane Milton: 906 paid, $75.1M.
Is Englewood at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (75%), and Englewood’s rate for it is in the top 5% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Englewood.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Englewood’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.