Horizon West, Florida: natural disaster risk
How exposed Horizon West is to floods, storms and other hazards, from FEMA and NOAA records for Orange County.
Horizon West is a community of 67,416 people in Orange County, Florida. FEMA's National Risk Index rates Orange County relatively high for natural hazards overall, higher than most of the US. The costliest hazards there are inland flooding, hurricane and cold wave, with about $418 million in expected losses a year across the county. The weather service has logged 731 storm reports in the county since 1950, including 70 tornadoes and 15 floods. NOAA hurricane records show 30 hurricanes and 42 tropical storms passing within 65 miles of the county's center. About 3.3% of homes in the county carry federal flood insurance.
Risk figures are for Orange County. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in Horizon West
Full Orange County report ›- Check the FEMA flood map for your address, and ask the seller or landlord about past flooding.
- Price a flood policy now. Most new federal policies take 30 days to start.
- Know your evacuation zone and route before June 1.
- Ask about roof age, shutters and the separate wind or hurricane deductible on your home policy.
- Insulate pipes in outside walls, crawl spaces and garages.
- Know how to shut off the main water valve.
All hazards
| Hazard | Rating | A year |
|---|---|---|
| Inland flooding | $182M | |
| Hurricane | $80M | |
| Cold wave | $48M | |
| Tornado | $45M | |
| Strong wind | $33M | |
| Wildfire | $9M | |
| Hail | $7M | |
| Lightning | $6M | |
| Heat wave | $5M | |
| Earthquake | $1M | |
| Drought | $40K | |
| Landslide | $1K |
Homes in Horizon West
Older homes and mobile homes usually take more damage in storms, floods and earthquakes. Ask about roof age, flood history and retrofits before you buy or rent.
Strongest tornadoes in Orange County
Common questions about Horizon West
Is Horizon West safe from natural disasters?
Horizon West is in Orange County, which FEMA's National Risk Index rates relatively high overall, higher than most of the US. The biggest hazards are inland flooding, hurricane, cold wave. No place is free of risk, so check the flood map and insurance for any home you consider.
What natural disasters happen in Horizon West?
By expected yearly losses in Orange County, the top hazards are inland flooding (High), hurricane (High), cold wave (Very High). Orange County has been part of 37 federal disaster or emergency declarations for natural events.
Does Horizon West get tornadoes?
Yes. NOAA records list 70 tornadoes in Orange County since 1950; the strongest was an F3 tornado on February 22, 1998 near Winter Garden. FEMA rates tornado risk in the county very high.
Do I need flood insurance in Horizon West?
Standard home insurance does not cover floods. In Orange County, about 3.3% of homes have federal flood insurance, and FEMA rates inland flooding risk high. Check the FEMA flood map for your address and get a quote even outside a high-risk zone.