Enter any address in Lake County, Florida to see its FEMA flood zone
Tropical storms and associated flooding are the dominant flood character in Lake County. Over the last 30 years, NOAA Storm Events data shows 13 tropical storm events, 6 flood events, and 5 flash flood events. For example, stationary thunderstorms produced extreme rainfall in October 2025, and Hurricane Milton's outer rainbands led to flooding in October 2024.
FEMA National Flood Insurance Program (NFIP) claims data indicates that properties in Zone A have experienced the most claims, with 271 claims averaging $15,419 and 2.0 feet of water depth. Properties in Zone X also show a significant number of claims, with 109 claims averaging $18,849 and 6.0 feet of water depth. One claim in Zone V averaged $117,526 with 6.0 feet of water depth.
Homeowners in Zone A, Zone X, and Zone V, as well as those in areas with lower elevations or without a Base Flood Elevation (BFE), should pay the most attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
22 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Lake County, Florida has recorded 27 flood-related events since 1996 according to NOAA's Storm Events Database, including 5 flash floods and 6 river or area floods. The county has received 37 federal disaster declarations. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1977–2024)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Hurricane Milton | Hurricane | Oct 5, 2024 |
| Hurricane Debby | Tropical Storm | Aug 1, 2024 |
| Tropical Storm Debby | Tropical Storm | Aug 1, 2024 |
| Hurricane Idalia | Hurricane | Aug 27, 2023 |
| Tropical Storm Idalia | Tropical Storm | Aug 27, 2023 |
| Hurricane Nicole | Hurricane | Nov 7, 2022 |
| Tropical Storm Nicole | Tropical Storm | Nov 7, 2022 |
| Hurricane Ian | Hurricane | Sep 23, 2022 |
| Tropical Storm Ian | Hurricane | Sep 23, 2022 |
| Tropical Storm Elsa | Severe Storm | Jul 4, 2021 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Jul 29, 2025 | 0.00K |
| Flash Flood | Oct 26, 2025 | 2.80M |
| Tropical Storm | Sep 26, 2024 | 0.00K |
| Tropical Storm | Sep 26, 2024 | 400.00K |
| Flash Flood | Oct 9, 2024 | 0.00K |
| Tropical Storm | Oct 9, 2024 | — (2 deaths) |
| Tropical Storm | Oct 9, 2024 | 1.40M |
| Flood | Oct 9, 2024 | 12.60M |
| Tropical Storm | Aug 4, 2024 | 0.00K |
| Tropical Storm | Aug 30, 2023 | 0.00K |
Flash Flood — Jul 29, 2025
Localized heavy rainfall led to flooding in Leesburg.
Flash Flood — Oct 26, 2025
Stationary thunderstorms produced extreme rainfall in Brevard and Lake Counties, as well as a severe wind gust along the coast.
Tropical Storm — Sep 26, 2024
Major Hurricane Helene paralleled the west coast of Florida about 100 miles offshore before making landfall in the Big Bend region of Florida near the city of Perry. The system's expansive wind field within its eastern periphery produced a period of tropical storm conditions, particularly in gusts, across much of east central Florida including its adjacent coastal waters. Peak wind gusts ranged...
Flash Flood — Oct 9, 2024
Hurricane Milton moved ashore the west-central Florida coast as a category 3 hurricane on Oct 9 around 1930EST. The system continued slowly in an east-northeast trajectory across central Florida, becoming a category 1 hurricane before emerging into the Atlantic Ocean near Cape Canaveral. The outer rainbands of Milton overspread the Florida peninsula earlier in the day, leading to a prolific tor...
Tropical Storm — Oct 9, 2024
Hurricane Milton moved ashore the west-central Florida coast as a category 3 hurricane on Oct 9 around 1930EST. The system continued slowly in an east-northeast trajectory across central Florida, becoming a category 1 hurricane before emerging into the Atlantic Ocean near Cape Canaveral. The outer rainbands of Milton overspread the Florida peninsula earlier in the day, leading to a prolific tor...
Source: NOAA National Weather Service Storm Events Database.
Source: OpenFEMA NFIP Individual Claims (2.25M records analyzed).
FEMA assigns flood zone designations to areas in Lake County, Florida:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in Lake County, Florida that are in FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area.
Visit FloodSmart.gov to find an agent and get a quote.