FEMA expects more hazard damage per building in Four Corners than in 69% of U.S. towns, led by river and rain flooding
On FEMA’s National Risk Index, Four Corners gets a C for hazard risk: higher expected damage per building than 69% of U.S. towns, #165 of 638 in Florida. Most of that expected damage is river and rain flooding (45%), then hurricanes (23%). 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 Four Corners 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 Four Corners’ grade
River and rain flooding is 45% of the building damage FEMA expects in Four Corners, and Four Corners’ rate of river and rain flooding damage is lower than 56% of U.S. census tracts. Strong wind adds 20%, at a rate in the top 1% of U.S. census tracts.
C #165 of 638 in Florida; higher expected damage per building than 69% of U.S. towns (21,298).
Four Corners’ 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, Four Corners has less expected damage per building than 74% of Florida towns.
In dollars, FEMA expects about $21.9M a year in losses across Four Corners: $18.6M to buildings, the rest to people and crops.
Does Four Corners flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Four Corners. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Four Corners isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Osceola County.1 federal disaster brought FEMA money to Four Corners
Disasters that paid out in Four Corners itself (aid to households or repair grants to Four Corners), newest first, with that year’s flood claims.
- 2022Hurricane Ian2 households applied for aid$700 aid approved
Its 3 counties have 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 10 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in its 3 counties, 1999–2017.
Old photos of Four Corners after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Four Corners archive →Four Corners and its neighbors
Four Corners is 2nd of the 2 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 |
|---|---|---|---|
| Horizon West | C+more damage than 56% | river and rain flooding | 3 |
| Four Corners | Cmore damage than 69% | river and rain flooding | 0 |
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 Four Corners 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 Four Corners
Is Four Corners at risk for natural disasters?
On FEMA’s National Risk Index, Four Corners has higher expected damage per building than 69% of U.S. towns: C for hazard risk, #165 of 638 in Florida. Most of the expected damage is river and rain flooding (45%) and hurricanes (23%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Four Corners 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 Osceola County, 36% of homes in mapped flood zones carry federal flood insurance, and 6.0% of all homes do.
How much is flood insurance in Four Corners?
FEMA’s Community Rating System list shows no discount for Four Corners’ 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 Four Corners?
By FEMA money that reached Four Corners, Hurricane Ian (2022): 2 households applied for aid, $700 approved.
Is Four Corners at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (45%), and Four Corners’ rate for it is lower than 56% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Four Corners.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Four Corners’ 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.