The Villages, Florida: natural disaster risk
How exposed The Villages is to floods, storms and other hazards, from FEMA and NOAA records for Marion County.
The Villages is a community of 83,498 people in Marion County, Florida. Parts of The Villages also reach into Sumter County. FEMA's National Risk Index rates Marion County relatively high for natural hazards overall, higher than most of the US. The costliest hazards there are hurricane, inland flooding and tornado, with about $128 million in expected losses a year across the county. The weather service has logged 965 storm reports in the county since 1957, including 62 tornadoes and 37 floods. NOAA hurricane records show 24 hurricanes and 43 tropical storms passing within 65 miles of the county's center, 2 of them major. About 2% of homes in the county carry federal flood insurance.
Risk figures are for Marion County, the county with most of the population The Villages sits in. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in The Villages
Full Marion County report ›- 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.
- 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.
- Pick a shelter spot: a basement, or an inside room on the lowest floor with no windows.
- Turn on emergency alerts on your phone and keep a weather radio.
All hazards
| Hazard | Rating | A year |
|---|---|---|
| Hurricane | $53M | |
| Inland flooding | $42M | |
| Tornado | $15M | |
| Cold wave | $6M | |
| Wildfire | $5M | |
| Lightning | $3M | |
| Heat wave | $2M | |
| Strong wind | $2M | |
| Earthquake | $417K | |
| Drought | $69K | |
| Hail | $55K | |
| Landslide | $2K |
Homes in The Villages
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 Marion County
More cities in Marion County
Common questions about The Villages
Is The Villages safe from natural disasters?
The Villages is in Marion County, which FEMA's National Risk Index rates relatively high overall, higher than most of the US. The biggest hazards are hurricane, inland flooding, tornado. No place is free of risk, so check the flood map and insurance for any home you consider.
What natural disasters happen in The Villages?
By expected yearly losses in Marion County, the top hazards are hurricane (High), inland flooding (Moderate), tornado (High). Marion County has been part of 36 federal disaster or emergency declarations for natural events.
Does The Villages get tornadoes?
Yes. NOAA records list 62 tornadoes in Marion County since 1950; the strongest was an F3 tornado on December 31, 1975. FEMA rates tornado risk in the county high.
Do I need flood insurance in The Villages?
Standard home insurance does not cover floods. In Marion County, about 2% 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.