Photo: Ebyabe · CC BY-SA 3.0More hazard damage per building is expected in Ormond Beach than in 82% of U.S. towns, led by hurricanes
On FEMA’s National Risk Index, Ormond Beach gets a C− for hazard risk: higher expected damage per building than 82% of U.S. towns, #356 of 638 in Florida. Most of that expected damage is hurricanes (48%), then river and rain flooding (44%). Flood insurance has paid 573 claims here since 1978.
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 Ormond Beach’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Ormond Beach 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 Ormond Beach’s grade
Hurricanes are 48% of the building damage FEMA expects in Ormond Beach, and Ormond Beach’s rate of hurricanes damage is in the top 6% of U.S. census tracts. Wildfire adds 2%, at a rate in the top 10% of U.S. census tracts.
C− #356 of 638 in Florida; higher expected damage per building than 82% of U.S. towns (21,298).
Ormond Beach’s residents live in 15 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, Ormond Beach has more expected damage per building than 56% of Florida towns.
In dollars, FEMA expects about $18.6M a year in losses across Ormond Beach: $16.4M to buildings, the rest to people and crops.
Does Ormond Beach flood? Yes: 573 flood claims since 1978
Every paid claim on a federal flood insurance policy in Ormond Beach, from FEMA’s records: 26.2 per 1,000 homes, more than 87% of the 13,809 U.S. towns with a flood insurance record.
- The Low pressure system134 claims · $2.7M
- Hurricane Milton85 claims · $5.0M
- Hurricane Irma53 claims · $2.6M
Ormond Beach is in FEMA’s Community Rating System (class 5) for its flood-proofing work.
Insurance rates: Volusia County.14 federal disasters brought FEMA money to Ormond Beach
Disasters that paid out in Ormond Beach itself (aid to households or repair grants to the City of Ormond Beach), newest first, with that year’s flood claims.
- 2024Hurricane Milton4,046 households applied for aid$4.3M aid approved$2.3M to the City of Ormond Beach for repairs85 flood claims paid for it, $5.0M
- 2022Hurricane Nicole252 households applied for aid$188K aid approved$201K to the City of Ormond Beach for repairs17 flood claims paid for it, $475K
- 2022Hurricane Ian4,125 households applied for aid$3.5M aid approved$2.5M to the City of Ormond Beach for repairs51 flood claims paid for it, $2.2M
- 2019Hurricane Dorian$65K to the City of Ormond Beach for repairs5 flood claims paid that year
- 2017Hurricane Irma4,045 households applied for aid$1.4M aid approved$3.1M to the City of Ormond Beach for repairs53 flood claims paid for it, $2.6M
- 2016Hurricane Matthew3,275 households applied for aid$815K aid approved$6.5M to the City of Ormond Beach for repairs16 flood claims paid that year
Show all 14
- 2009Severe Storms, Flooding, Tornadoes, and Straight-line Winds483 households applied for aid$846K aid approved$287K to the City of Ormond Beach for repairs140 flood claims paid that year
- 2008Tropical Storm Fay29 households applied for aid$15K aid approved$77K to the City of Ormond Beach for repairs1 flood claim paid that year
- 2004Hurricane Jeanne1,089 households applied for aid$672K aid approved$1.4M to the City of Ormond Beach for repairs
- 2004Hurricane Ivan54 households applied for aid$7K aid approved
- 2004Hurricane Frances4,095 households applied for aid$2.8M aid approved$1.8M to the City of Ormond Beach for repairs36 flood claims paid for it, $681K
- 2004Tropical Storm Bonnie and Hurricane Charley2,859 households applied for aid$1.6M aid approved$2.2M to the City of Ormond Beach for repairs
- 1999Fl-hurricane Irene-dr-req$58K to the City of Ormond Beach for repairs
- 1999Hurricane Floyd Major Disaster Declarations$227K to the City of Ormond Beach 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 Ormond Beach after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Ormond Beach archive →Ormond Beach and its neighbors
Ormond Beach is 4th 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 |
|---|---|---|---|
| Daytona Beach | Cmore damage than 74% | hurricanes | 1,683 |
| Ormond-by-the-Sea | Cmore damage than 74% | hurricanes | 142 |
| Holly Hill | C−more damage than 80% | hurricanes | 486 |
| Ormond Beach | C−more damage than 82% | hurricanes | 573 |
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 Ormond Beach 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.
- Ormond Beach residents get 25% off flood insurance.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Ormond Beach
Is Ormond Beach at risk for natural disasters?
On FEMA’s National Risk Index, Ormond Beach has higher expected damage per building than 82% of U.S. towns: C− for hazard risk, #356 of 638 in Florida. Most of the expected damage is hurricanes (48%) and river and rain flooding (44%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Ormond Beach flood?
Flood insurance has paid 573 claims in Ormond Beach since 1978, $15.8M in all, or 26.2 per 1,000 homes, more than 87% of U.S. towns with a flood insurance record. 57 properties have flooded more than once. The most claims came from Low pressure system (134).
Is Ormond Beach 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 Ormond Beach?
Ormond Beach is in FEMA’s Community Rating System (class 5), which takes 25% 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 Ormond Beach?
By FEMA money that reached Ormond Beach, Hurricane Matthew (2016): 3,275 households applied for aid, $815K approved, and $6.5M to the City of Ormond Beach for repairs. By flood claims, Low pressure system: 134 paid, $2.7M.
Is Ormond Beach at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (48%), and Ormond Beach’s rate for it is in the top 6% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Ormond Beach.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Ormond Beach’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.