Natural Disaster Risk — ZIP Code 32746

Natural Hazard Profile: ZIP 32746, Florida

Located near the Atlantic Coast of the southeastern United States, ZIP 32746 serves the Lake Mary community. The tropical climate of this part of Florida — bringing warm temperatures year-round and high humidity — directly shapes the hazard exposure for properties in this postal area.

ZIP 32746's overall natural disaster risk is rated 5.8/10 (Moderate) by FEMA's National Risk Index. Tornadoes represent the primary threat to life and property here, with the local geography placing the community squarely in a high-frequency severe weather corridor. Secondary hazards include wind and hurricane.

Relative to other U.S. communities, ZIP 32746's natural disaster risk is above the U.S. national average of 4.5/10, near the 5.7/10 state average. The hazard distribution here is led by tornado and wind, as measured by FEMA across Florida. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

ZIP 32746's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that tornado exposure is adequately protected is a worthwhile step for property owners.