FloodMaps
Map of FEMA flood zones in OrlandoTap the map to explore

City · Flood risk

Check any address in Orlando

Inside Orlando city limits 

Homes in Orlando

83,470

On the state tax roll

Flood claims since 2016

204

In 7 storms, 149 paid

Most claims in one storm

149

Hurricane Ian 2022, 121 paid

FEMA flood map in effect

Sep 2021

First flood map 1980

Flood insurance discount

20% off

City of Orlando, Community Rating System Class 6

Sinkhole reports

20

On file with the Florida Geological Survey

Orlando and Orange County

Orlando has 20% of Orange County's homes and 17% of its flood claims since 2016.

Orlando compared with all of Orange County
OrlandoAll of Orange
Homes83,470410,513
Flood claims since 20162041,188
FEMA aid, water insideNo city figure7,927

Past storms in Orlando

National Flood Insurance Program claims, filed in the city and across the county.

Flood claims by storm in Orlando and in all of Orange County
StormOrlandoAll of Orange
Hurricane Matthew 2016213
Hurricane Irma 201738201
Hurricane Ian 2022149869
Hurricane Nicole 2022215
Hurricane Milton 2024876

Frequently asked questions

Do I need flood insurance in Orlando?

Lenders require flood insurance on a federally backed mortgage when the building is in one of FEMA's high-risk zones, the ones starting with A or V. The map that sets those zones in Orlando took effect on September 24, 2021. Outside those zones insurance is optional, but claims come from moderate- and low-risk zones too, so it's worth checking the zone and the floor height of the exact home.

When was the FEMA flood map for Orlando last updated?

The flood map in effect for Orlando took effect on September 24, 2021. The city's first flood map dates to September 3, 1980.

Is there a flood insurance discount in Orlando?

The City of Orlando is in FEMA's Community Rating System at Class 6, which takes 20% off National Flood Insurance Program premiums for policies inside the high-risk flood zone. Classes run from 10 to 1, and each step down adds 5% off.

Which storms flooded Orlando the most?

By National Flood Insurance Program claims filed in Orlando, the worst recent storms were Hurricane Ian 2022 (149 claims, 121 paid), Hurricane Irma 2017 (38 claims, 19 paid), and Hurricane Milton 2024 (8 claims, 6 paid). Across Orange County, 4,763 FEMA aid registrations reported water inside the home after Hurricane Ian 2022. Claims only count insured homes, so the real number of flooded homes is higher.

Are there sinkholes in Orlando?

The Florida Geological Survey has 20 subsidence reports on file inside Orlando's city limits. Most reports were never verified, and a report near a home doesn't mean the ground under it is unstable. The full report lists the nearest ones.

Orlando is inland, with dozens of lakes inside the city, so its flooding comes from heavy rain and high lake levels rather than the sea.

Orlando has about 83,500 homes on the state tax roll inside its city limits. The FEMA flood map in effect for Orlando took effect on September 24, 2021; the city's first flood map dates to 1980. Since 2016, 204 flood insurance claims have been filed in Orlando in the storms we track, 149 of them paid. The storm that left the most was Hurricane Ian 2022, with 149, followed by Hurricane Irma 2017 with 38. The City of Orlando is in FEMA's Community Rating System at Class 6, which takes 20% off National Flood Insurance Program premiums for policies inside the high-risk flood zone.

Away from the coast, flooding comes from rain: rivers that rise for days after a tropical storm, lakes and low basins that fill, and closed depressions that drain slowly into the ground. The storms we track for Central Florida are Hurricane Matthew 2016, Hurricane Irma 2017, Hurricane Ian 2022, Hurricane Nicole 2022, Hurricane Helene 2024, and Hurricane Milton 2024.

Search any address in Orlando for a free report: its FEMA flood zone and whether insurance is required, its risk level, and its floor height against the flood line. The full report adds a 0 to 100 risk score, the flood insurance cost, the home's record in each storm we track, and a PDF to share.

Compiled by FloodMaps from FEMA, state, and county records. Data dates: 2026 county tax roll (final values); flood claims for storms from 2016 through Hurricane Milton (October 2024); FEMA map dates and insurance discounts as of October 8, 2026.

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