🌍 ClimateRiskCheck

Natural Disaster Risk in Windermere

Florida

7.0out of 10
High Risk

Risk Summary for Windermere

Windermere scores 7.0/10 (High risk), above the U.S. average of 4.5. The leading hazard is Lightning.

Top Hazards

Lightning Strong Wind Cold Wave

All 18 Hazard Scores

Strong Wind
10.0
Lightning
10.0
Tornado
9.9
Hurricane
9.9
Cold Wave
9.9
Wildfire
9.8
Hail
9.8
Extreme Heat
9.5
Earthquake
7.8
Tsunami
5.4
Landslide
5.2
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Drought
4.3
Ice Storm
1.3
Winter Weather
1.2
Riverine Flooding
1.0

How it compares

Windermere
7.0
Florida avg.
5.7
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” check your policy limits

Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Windermere, Florida

Windermere is a city of approximately 42,358 residents in Orange County, near the Atlantic Coast of the southeastern United States. The area experiences warm temperatures year-round and high humidity, with a June–November hurricane season that defines the risk landscape shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Windermere.

According to FEMA's National Risk Index, Windermere carries an overall risk score of 7.0/10, placing it in the high category. Frequent lightning strikes from an active thunderstorm environment represent the top natural hazard risk, posing safety concerns and causing fire ignitions and power outages. The area also faces notable exposure to wind and cold wave.

Windermere's risk score, slightly above the 5.7/10 state average and well above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Orange County, the highest-scoring are lightning, wind, and cold wave. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a high natural disaster risk rating, Windermere residents benefit from taking preparedness seriously. Reviewing insurance coverage for lightning and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.

What this means for Windermere: Lightning preparedness

  • Install whole-home surge protection to shield electronics from strike-related power surges.
  • Follow the "when thunder roars, go indoors" rule and wait 30 minutes after the last thunder.
  • Avoid plumbing and corded electronics during active thunderstorms.

Local Factors for Windermere

These city-level factors differentiate Windermere from other communities in Orange County and provide geographic context for its hazard exposure.

Population

42,358

Suburban

Geographic Zone

SE Atlantic Coast

Hurricane & coastal flood risk

Climate Band

Warm Subtropical

Latitude 28.5Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 9.8/10

Coordinates

28.4816Β° N, 81.5550Β° W

Orange County

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for Windermere

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Windermere

Other cities in Florida

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.