Photo: Ebyabe · CC BY-SA 4.0For strong wind, Maitland’s building-damage rate is in the top 3% of U.S. census tracts
On FEMA’s National Risk Index, Maitland gets a B− for hazard risk: higher expected damage per building than 54% of U.S. towns, #53 of 638 in Florida. Most of that expected damage is river and rain flooding (57%), then hurricanes (24%). Flood insurance has paid 9 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 Maitland 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 Maitland’s grade
River and rain flooding is 57% of the building damage FEMA expects in Maitland, and Maitland’s rate of river and rain flooding damage is lower than 52% of U.S. census tracts. Strong wind adds 9%, at a rate in the top 3% of U.S. census tracts.
B− #53 of 638 in Florida; higher expected damage per building than 54% of U.S. towns (21,298).
Maitland’s residents live in 8 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, Maitland has less expected damage per building than 92% of Florida towns.
In dollars, FEMA expects about $6.7M a year in losses across Maitland: $5.6M to buildings, the rest to people and crops.
Does Maitland flood? Rarely: 9 flood claims since 1992
Every paid claim on a federal flood insurance policy in Maitland, from FEMA’s records: 0.9 per 1,000 homes, fewer than 80% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Ian5 claims · $147K
- Hurricane Jeanne1 claim · $155K
Maitland 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.9 federal disasters brought FEMA money to Maitland
Disasters that paid out in Maitland itself (aid to households or repair grants to the City of Maitland), newest first, with that year’s flood claims.
- 2024Hurricane Milton503 households applied for aid$224K aid approved$91K to the City of Maitland for repairs
- 2022Hurricane Nicole$45K to the City of Maitland for repairs
- 2022Hurricane Ian907 households applied for aid$728K aid approved$410K to the City of Maitland for repairs5 flood claims paid for it, $147K
- 2017Hurricane Irma2,249 households applied for aid$795K aid approved$1.9M to the City of Maitland for repairs
- 2016Hurricane Matthew4 households applied for aid$4K aid approved$69K to the City of Maitland for repairs
- 2004Hurricane Jeanne308 households applied for aid$224K aid approved$664K to the City of Maitland for repairs1 flood claim paid for it, $155K
Show all 9
- 2004Hurricane Frances403 households applied for aid$345K aid approved$1.2M to the City of Maitland for repairs
- 2004Tropical Storm Bonnie and Hurricane Charley714 households applied for aid$365K aid approved$2.2M to the City of Maitland for repairs
- 1999Tropical Storm Irene - Florida$3K to the City of Maitland for repairs
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 Maitland after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Maitland archive →Maitland and its neighbors
Maitland is 3rd of the 5 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 |
|---|---|---|---|
| Eatonville | B+less damage than 65% | river and rain flooding | 8 |
| Fern Park | Bless damage than 64% | river and rain flooding | 44 |
| Maitland | B−more damage than 54% | river and rain flooding | 9 |
| Winter Park | B−more damage than 55% | river and rain flooding | 57 |
| Altamonte Springs | C+more damage than 59% | river and rain flooding | 110 |
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 Maitland 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 Maitland
Is Maitland at risk for natural disasters?
On FEMA’s National Risk Index, Maitland has higher expected damage per building than 54% of U.S. towns: B− for hazard risk, #53 of 638 in Florida. Most of the expected damage is river and rain flooding (57%) and hurricanes (24%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Maitland flood?
Flood insurance has paid 9 claims in Maitland since 1992, $306K in all, or 0.9 per 1,000 homes, fewer than 80% of U.S. towns with a flood insurance record. The most claims came from Hurricane Ian (5).
Is Maitland 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 Maitland?
FEMA’s Community Rating System list shows no discount for Maitland’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 Maitland?
By FEMA money that reached Maitland, Hurricane Irma (2017): 2,249 households applied for aid, $795K approved, and $1.9M to the City of Maitland for repairs. By flood claims, Hurricane Ian: 5 paid, $147K.
Is Maitland at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (57%), and Maitland’s rate for it is lower than 52% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Maitland.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Maitland’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.