St. Cloud, Florida: natural disaster risk
How exposed St. Cloud is to floods, storms and other hazards, from FEMA and NOAA records for Osceola County.
St. Cloud is a city of 65,130 people in Osceola County, Florida. FEMA's National Risk Index rates Osceola County relatively moderate for natural hazards overall, about average for the US. The costliest hazards there are inland flooding, strong wind and hurricane, with about $118 million in expected losses a year across the county. The weather service has logged 267 storm reports in the county since 1960, including 43 tornadoes and 21 floods. NOAA hurricane records show 31 hurricanes and 40 tropical storms passing within 65 miles of the county's center, 2 of them major. About 6% of homes in the county carry federal flood insurance.
Risk figures are for Osceola County. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in St. Cloud
Full Osceola 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.
- Secure outdoor furniture and trash bins before storms.
- Have trees near the house checked.
- 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.
All hazards
| Hazard | Rating | A year |
|---|---|---|
| Inland flooding | $52M | |
| Strong wind | $27M | |
| Hurricane | $18M | |
| Tornado | $11M | |
| Lightning | $4M | |
| Wildfire | $4M | |
| Heat wave | $1M | |
| Cold wave | $538K | |
| Earthquake | $243K | |
| Drought | $95K | |
| Hail | $83K | |
| Landslide | $1K |
Homes in St. Cloud
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 Osceola County
More cities in Osceola County
Common questions about St. Cloud
Is St. Cloud safe from natural disasters?
St. Cloud is in Osceola County, which FEMA's National Risk Index rates relatively moderate overall, about average for the US. The biggest hazards are inland flooding, strong wind, hurricane. No place is free of risk, so check the flood map and insurance for any home you consider.
What natural disasters happen in St. Cloud?
By expected yearly losses in Osceola County, the top hazards are inland flooding (Moderate), strong wind (Very High), hurricane (High). Osceola County has been part of 37 federal disaster or emergency declarations for natural events.
Does St. Cloud get tornadoes?
Yes. NOAA records list 43 tornadoes in Osceola County since 1950; the strongest was an F4 tornado on April 4, 1966. FEMA rates tornado risk in the county high.
Do I need flood insurance in St. Cloud?
Standard home insurance does not cover floods. In Osceola County, about 6% of homes have federal flood insurance, and FEMA rates inland flooding risk moderate. Check the FEMA flood map for your address and get a quote even outside a high-risk zone.