Winter Springs, Florida: natural disaster risk
How exposed Winter Springs is to floods, storms and other hazards, from FEMA and NOAA records for Seminole County.
Winter Springs is a city of 38,951 people in Seminole County, Florida. FEMA's National Risk Index rates Seminole County relatively moderate for natural hazards overall, about average for the US. The costliest hazards there are inland flooding, tornado and hurricane, with about $129 million in expected losses a year across the county. The weather service has logged 356 storm reports in the county since 1966, including 31 tornadoes and 15 floods. NOAA hurricane records show 26 hurricanes and 43 tropical storms passing within 65 miles of the county's center, 3 of them major. About 4% of homes in the county carry federal flood insurance.
Risk figures are for Seminole County. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in Winter Springs
Full Seminole 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.
- 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.
- 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 | $66M | |
| Tornado | $26M | |
| Hurricane | $25M | |
| Strong wind | $5M | |
| Lightning | $3M | |
| Wildfire | $2M | |
| Heat wave | $2M | |
| Earthquake | $786K | |
| Cold wave | $484K | |
| Hail | $96K | |
| Drought | $3K | |
| Landslide | $140 |
Homes in Winter Springs
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 Seminole County
More cities in Seminole County
Common questions about Winter Springs
Is Winter Springs safe from natural disasters?
Winter Springs is in Seminole County, which FEMA's National Risk Index rates relatively moderate overall, about average for the US. The biggest hazards are inland flooding, tornado, hurricane. No place is free of risk, so check the flood map and insurance for any home you consider.
What natural disasters happen in Winter Springs?
By expected yearly losses in Seminole County, the top hazards are inland flooding (Moderate), tornado (High), hurricane (High). Seminole County has been part of 37 federal disaster or emergency declarations for natural events.
Does Winter Springs get tornadoes?
Yes. NOAA records list 31 tornadoes in Seminole County since 1950; the strongest was an F3 tornado on February 23, 1998 near Longwood. FEMA rates tornado risk in the county high.
Do I need flood insurance in Winter Springs?
Standard home insurance does not cover floods. In Seminole County, about 4% 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.