On FEMA’s figures, Wekiwa Springs faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Wekiwa Springs gets a C+ for hazard risk: higher expected damage per building than 56% of U.S. towns, #60 of 638 in Florida. Most of that expected damage is river and rain flooding (65%), then hurricanes (22%). Flood insurance has paid 15 claims here since 1994.
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 Wekiwa Springs 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
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 Wekiwa Springs’ grade
River and rain flooding is 65% of the building damage FEMA expects in Wekiwa Springs, and Wekiwa Springs’ rate of river and rain flooding damage is higher than 56% of U.S. census tracts. Next is hurricanes at 22% (higher than 86% of U.S. census tracts).
C+ #60 of 638 in Florida; higher expected damage per building than 56% of U.S. towns (21,298).
Wekiwa Springs’ residents live in 5 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, Wekiwa Springs has less expected damage per building than 91% of Florida towns.
In dollars, FEMA expects about $6.9M a year in losses across Wekiwa Springs: $5.6M to buildings, the rest to people and crops.
Does Wekiwa Springs flood? Sometimes: 15 flood claims since 1994
Every paid claim on a federal flood insurance policy in Wekiwa Springs, from FEMA’s records: 1.5 per 1,000 homes, fewer than 69% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Ian3 claims · $357K
- Hurricane Milton2 claims · $88K
- Hurricane Charley1 claim · $31K
Wekiwa Springs isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Seminole County.1 federal disaster brought FEMA money to Wekiwa Springs
Disasters that paid out in Wekiwa Springs itself (aid to households or repair grants to Wekiwa Springs), newest first, with that year’s flood claims.
- 2017Hurricane Irma2 households applied for aid$500 aid approved1 flood claim paid for it, $52K
Seminole County has had 25 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 Seminole County, 1999–2007.
Old photos of Wekiwa Springs after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Wekiwa Springs archive →Wekiwa Springs and its neighbors
Wekiwa Springs is 2nd of the 3 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 |
|---|---|---|---|
| Forest City | Bless damage than 60% | river and rain flooding | 13 |
| Wekiwa Springs | C+more damage than 56% | river and rain flooding | 15 |
| 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 Wekiwa Springs 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.
- 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 Wekiwa Springs
Is Wekiwa Springs at risk for natural disasters?
On FEMA’s National Risk Index, Wekiwa Springs has higher expected damage per building than 56% of U.S. towns: C+ for hazard risk, #60 of 638 in Florida. Most of the expected damage is river and rain flooding (65%) and hurricanes (22%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Wekiwa Springs flood?
Flood insurance has paid 15 claims in Wekiwa Springs since 1994, $625K in all, or 1.5 per 1,000 homes, fewer than 69% of U.S. towns with a flood insurance record. The most claims came from Hurricane Ian (3).
Is Wekiwa Springs 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 Seminole County, 47% of homes in mapped flood zones carry federal flood insurance, and 4.0% of all homes do.
How much is flood insurance in Wekiwa Springs?
FEMA’s Community Rating System list shows no discount for Wekiwa Springs’ 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 Wekiwa Springs?
By FEMA money that reached Wekiwa Springs, Hurricane Irma (2017): 2 households applied for aid, $500 approved. By flood claims, Hurricane Ian: 3 paid, $357K.
Is Wekiwa Springs at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (65%), and Wekiwa Springs’ rate for it is higher than 56% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Wekiwa Springs.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Wekiwa Springs’ 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.