Photo: Ebyabe · CC BY-SA 3.0FEMA expects about as much hazard damage per building in Mascotte as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Mascotte gets a B− for hazard risk: lower expected damage per building than 52% of U.S. towns, #34 of 638 in Florida. Most of that expected damage is river and rain flooding (51%), then hurricanes (23%). Flood insurance has paid 2 claims here since 2004.
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 Mascotte 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
Tornadoes
Wildfire
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 Mascotte’s grade
River and rain flooding is 51% of the building damage FEMA expects in Mascotte, and Mascotte’s rate of river and rain flooding damage is lower than 67% of U.S. census tracts. Wildfire adds 10%, at a rate in the top 5% of U.S. census tracts.
B− #34 of 638 in Florida; lower expected damage per building than 52% of U.S. towns (21,298).
Mascotte’s residents live in 3 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, Mascotte has less expected damage per building than 95% of Florida towns.
In dollars, FEMA expects about $1.5M a year in losses across Mascotte: $1.1M to buildings, the rest to people and crops.
Does Mascotte flood? Rarely: 2 flood claims since 2004
Every paid claim on a federal flood insurance policy in Mascotte, from FEMA’s records: 0.8 per 1,000 homes, fewer than 82% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Jeanne1 claim · $4K
- Hurricane Wilma1 claim · $1K
Mascotte isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Lake County.7 federal disasters brought FEMA money to Mascotte
Disasters that paid out in Mascotte itself (aid to households or repair grants to the City of Mascotte), newest first, with that year’s flood claims.
- 2024Hurricane Milton854 households applied for aid$253K aid approved$91K to the City of Mascotte for repairs
- 2022Hurricane Nicole14 households applied for aid$300 aid approved
- 2022Hurricane Ian268 households applied for aid$66K aid approved$16K to the City of Mascotte for repairs
- 2017Hurricane Irma789 households applied for aid$221K aid approved$39K to the City of Mascotte for repairs
- 2004Hurricane Jeanne117 households applied for aid$111K aid approved$25K to the City of Mascotte for repairs1 flood claim paid for it, $4K
- 2004Hurricane Frances61 households applied for aid$93K aid approved$41K to the City of Mascotte for repairs
Show all 7
- 2004Tropical Storm Bonnie and Hurricane Charley9 households applied for aid$11K aid approved
Lake County has had 24 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 Lake County, 2000–2007.
Old photos of Mascotte after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Mascotte archive →Mascotte and its neighbors
Mascotte has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Mascotte | B−less damage than 52% | river and rain flooding | 2 |
| Groveland | C+more damage than 64% | river and rain flooding | 8 |
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 Mascotte 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.
- 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.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- 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 Mascotte
Is Mascotte at risk for natural disasters?
On FEMA’s National Risk Index, Mascotte has lower expected damage per building than 52% of U.S. towns: B− for hazard risk, #34 of 638 in Florida. Most of the expected damage is river and rain flooding (51%) and hurricanes (23%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Mascotte flood?
Flood insurance has paid 2 claims in Mascotte since 2004, $5K in all, or 0.8 per 1,000 homes, fewer than 82% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from Hurricane Jeanne (1).
Is Mascotte 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 Lake County, 24% of homes in mapped flood zones carry federal flood insurance, and 2.5% of all homes do.
How much is flood insurance in Mascotte?
FEMA’s Community Rating System list shows no discount for Mascotte’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 Mascotte?
By FEMA money that reached Mascotte, Hurricane Milton (2024): 854 households applied for aid, $253K approved, and $91K to the City of Mascotte for repairs. By flood claims, Hurricane Jeanne: 1 paid, $4K.
Is Mascotte at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (51%), and Mascotte’s rate for it is lower than 67% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Mascotte.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Mascotte’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.