Central Florida and the Space Coast
Osceola County property records and hazards
Osceola County is home to about 468,100 people, and FEMA counts $56.6 billion in buildings there. FEMA's National Risk Index rates its overall natural-hazard risk "Relatively Moderate", higher than 91% of U.S. counties. For property, the costliest hazards here are inland flooding, strong wind and hurricanes: together about $92.7 million of expected building damage a year. Its incorporated cities and towns are Kissimmee and St. Cloud. 27 hurricanes have passed within 30 miles since 1851.1
What Osceola County faces most
Ranked by FEMA's National Risk Index: the hazards expected to do the most damage to buildings in this county each year, with each hazard's FEMA risk rating.
- 1
Inland flooding
Relatively ModerateThe local numbers
- FEMA rates inland flooding risk in Osceola County "Relatively Moderate" (score 92.1 of 100, compared with every U.S. county).1
- Expected damage to buildings: about $51.8 million a year, the 16th-highest expected building loss from this hazard of 67 counties in the state.1
- FEMA's index maps about 213 square miles of the county inside the 1%-annual-chance floodplain it uses for inland flooding.1
- 17 inland flood events in FEMA's record, about 0.6 a year.1
What it means for a buyer or owner
Beyond the roughly 213 square miles of mapped floodplain in Osceola County, rain-driven flooding follows rivers, lakes, wetlands and canals, and it doesn't stop at the mapped lines: FEMA says more than 20% of flood insurance claims come from outside high-risk areas.
Ask whether the home has flooded or had a flood claim, and look at the lot's elevation in the report.
In your report: the Flood & hazard sheet · Guide: How to read a Florida flood zone
- 2
Strong wind
Very HighThe local numbers
- FEMA rates strong-wind risk in Osceola County "Very High" (score 99.8 of 100, compared with every U.S. county).1
- Expected damage to buildings: about $24.4 million a year, the 2nd-highest expected building loss from this hazard of 67 counties in the state.1
- 37 damaging-wind events in FEMA's record, about 0.9 a year.1
- 3 federal disaster declarations for severe storms.2
What it means for a buyer or owner
Severe thunderstorms bring damaging straight-line wind to Osceola County about 0.9 times a year; most claims are roofs, screens, cars and fallen trees.
Note the roof's age and material and the policy's wind or hail deductible.
In your report: the Storm history & wind sheet · Guide: Hurricanes, roofs and insurance
- 3
Hurricanes
Relatively HighThe local numbers
- FEMA rates hurricane risk in Osceola County "Relatively High" (score 94.2 of 100, compared with every U.S. county).1
- Expected damage to buildings: about $16.5 million a year, the 36th-highest expected building loss from this hazard of 67 counties in the state.1
- 27 hurricanes passed within 30 miles of the county since 1851 (1 of them at Category 3 or stronger while nearby); counting tropical storms, 61 storms in all.3
- Strongest storm on record nearby: an unnamed storm (1928), at Category 3 strength (about 113 mph sustained) as it passed.3
- Most recent hurricanes nearby: Milton (2024), Category 1, Ian (2022), Category 2 and Jeanne (2004), Category 2.3
- 21 federal disaster declarations for hurricanes have included the county.2
What it means for a buyer or owner
Osceola County is inland, so hurricanes reach it as wind and heavy rain rather than surge; an unnamed storm (1928) still crossed nearby at Category 3 strength. Roof condition and tree cover decide most of the damage.
Ask for the roof's age and permit, any shutters or impact-rated windows, and a wind mitigation report.
In your report: the Storm history & wind sheet · Guide: Hurricanes, roofs and insurance
- 4
Tornadoes
Relatively HighThe local numbers
- FEMA rates tornado risk in Osceola County "Relatively High" (score 93.6 of 100, compared with every U.S. county).1
- Expected damage to buildings: about $5.1 million a year, the 14th-highest expected building loss from this hazard of 67 counties in the state.1
- 28 tornadoes recorded in the county in FEMA's index (NOAA Storm Prediction Center records), about 1.1 a year.1
What it means for a buyer or owner
With roughly 1.1 tornadoes a year on record, Osceola County sees mostly brief, narrow touchdowns, often spun up by tropical systems and spring squall lines, so damage is very local. The same roof-to-wall connections that resist hurricane wind help here.
Check the roof covering, any hurricane straps or clips, and the insurer's windstorm deductible.
In your report: the Hazards (FEMA National Risk Index) sheet
Rules that apply in every Florida county, from the building code and wind-mitigation discounts to flood insurance, seller flood disclosure and sinkhole coverage: Florida rules for buyers and owners.
Hurricanes near Osceola County
27 hurricanes have come within 30 miles of Osceola County since 1851; the busiest decade was the 1920s, with 4. The 12 most recent are listed, with the strength NOAA recorded as each passed.3
| Year | Storm | Strength nearby | Closest approach | |
|---|---|---|---|---|
| 2024 | Milton | Category 1 | inside the county | |
| 2022 | Ian | Category 2 | inside the county | |
| 2004 | Jeanne | Category 2 | 9 mi | |
| 2004 | Frances | Category 2 | 5 mi | |
| 2004 | Charley | Category 2 | 6 mi | |
| 1995 | Erin | Category 1 | inside the county | |
| 1979 | David | Category 2 | 16 mi | |
| 1960 | Donna | Category 1 | 3 mi | |
| 1953 | Hazel | Category 1 | 16 mi | |
| 1950 | King | Category 1 | inside the county | |
| 1949 | Unnamed | Category 2 | 19 mi | |
| 1945 | Unnamed | Category 1 | 4 mi |
Federal disaster declarations
39 federal declarations have included Osceola County since 1977, 22 of them major disasters. By type: 21 hurricane, 5 fire, 4 freezing, 4 tropical storm, 3 severe storm and 2 biological.2
Most recent
- 2024, Hurricane Milton (major disaster)
- 2024, Hurricane Milton (emergency)
- 2024, Hurricane Debby (major disaster)
- 2024, Tropical Storm Debby (emergency)
- 2023, Hurricane Idalia (major disaster)
- 2023, Tropical Storm Idalia (emergency)
All FEMA hazards for Osceola County
Every hazard FEMA scores here, costliest for buildings first.1
| Hazard | FEMA risk rating | Risk score (0-100) | Expected building loss a year | Rank in the state |
|---|---|---|---|---|
| Inland flooding | Relatively Moderate | 92.1 | $51.8 million | 16 of 67 |
| Strong wind | Very High | 99.8 | $24.4 million | 2 of 67 |
| Hurricanes | Relatively High | 94.2 | $16.5 million | 36 of 67 |
| Tornadoes | Relatively High | 93.6 | $5.1 million | 14 of 67 |
| Wildfire | Relatively Moderate | 94.8 | $3.1 million | 14 of 67 |
| Lightning | Very High | 98.5 | $173,000 | 12 of 67 |
| Earthquakes | Very Low | 46.5 | $163,000 | 22 of 67 |
| Cold waves | Relatively Low | 34.1 | $83,000 | 14 of 67 |
| Hail | Very Low | 21.9 | $23,000 | 25 of 67 |
| Landslides | Very Low | 46.6 | $1,000 | 11 of 67 |
| Heat waves | Relatively Low | 77.3 | $75 | 29 of 67 |
| Drought | Relatively Low | 43.4 | $0 | n/a |
| Winter weather | No Rating | 0.0 | $0 | n/a |
Local property economy
Osceola County had about 468,058 residents in 2024. Its largest groups of self-employed businesses are transportation and warehousing (18,854), administrative and support and waste management (10,925) and construction (10,367). The table counts businesses with no employees, the sole proprietors behind much of the local real estate and building trade.4
| Businesses with no employees | Osceola | Per 1,000 residents | Florida per 1,000 |
|---|---|---|---|
| All self-employed businesses | 80,982 | 173.0 | 146.6 |
| Real estate, rental and leasing | 6,398 | 13.7 | 15.4 |
| Real estate (agents, brokers, landlords, managers) | 6,040 | 12.9 | 14.8 |
| Construction | 10,367 | 22.1 | 14.5 |
| Residential building construction | 3,229 | 6.9 | 4.7 |
Area profile
Census figures for Osceola County next to Florida and the U.S. (ACS 2020-2024 5-year estimates; ± is the margin of error). Source: U.S. Census Bureau, American Community Survey (opens in a new tab).
| Measure | Osceola County | Florida | U.S. |
|---|---|---|---|
| Population | 427,415 | 22,416,077 | 334,922,499 |
| Median household income | $72,637 ±$1,876 | $74,568 | $80,734 |
| Per-capita income | $32,676 ±$1,499 | $42,609 | $44,673 |
| People below the poverty level | 12.8% ±1.0% | 12.6% | 12.5% |
| Adults 25+ with a bachelor's degree or higher | 29.8% ±1.1% | 34.1% | 35.7% |
| Median home value (owner-occupied) | $353,300 ±$4,410 | $359,000 | $332,700 |
| Median gross rent | $1,746 ±$32 | $1,669 | $1,413 |
| Homes that are owner-occupied | 65.3% ±1.2% | 67.6% | 65.2% |
| Housing units vacant | 16.7% ±0.9% | 14.7% | 10.1% |
| Median year built | 2002 ±1 | 1988 | 1980 |
| Median age | 37.1 ±0.3 | 42.6 | 38.9 |
| Average household size | 3.0 ±0.0 | 2.5 | 2.5 |
| Mean travel time to work (minutes) | 35.2 ±1.2 | 28 | 26.4 |
Race and Hispanic origin (Census table B03002)
| Group | Osceola County | Florida | U.S. |
|---|---|---|---|
| Not Hispanic or Latino: White alone | 27.2% | 50.4% | 57.4% |
| Not Hispanic or Latino: Black or African American alone | 9.9% | 14.6% | 11.9% |
| Not Hispanic or Latino: American Indian and Alaska Native alone | 0.0% | 0.1% | 0.5% |
| Not Hispanic or Latino: Asian alone | 2.7% | 2.9% | 5.9% |
| Not Hispanic or Latino: Native Hawaiian and Other Pacific Islander alone | 0.0% | 0.1% | 0.2% |
| Not Hispanic or Latino: Some other race alone | 0.9% | 0.7% | 0.6% |
| Not Hispanic or Latino: Two or more races | 3.3% | 3.8% | 4.3% |
| Hispanic or Latino (of any race) | 56.0% | 27.4% | 19.3% |
These figures come from the U.S. Census Bureau. OnlineRecords.US doesn't rate, rank or recommend areas by who lives there, and none of these figures are used in any ranking on this page. This product uses Census Bureau data but is not endorsed or certified by the Census Bureau.
Official offices for Osceola County property records
The official word on any Osceola County parcel.5
Property appraiser
- Osceola County Property Appraiser (opens in a new tab) Ownership, values, exemptions and parcel maps.
- Parcel search (opens in a new tab)
Clerk / official records
- Osceola County Clerk of Court and Comptroller (opens in a new tab) Recorder of deeds, mortgages, liens and lis pendens.
- Official records search (opens in a new tab)
Tax collector
- Osceola County Tax Collector (opens in a new tab) Current and delinquent property tax bills.
Building department
- Osceola County Building Office (opens in a new tab) Online permit search.
Floodplain office
What our free report covers in Osceola County
Statewide data works for every Osceola County address: (verified on test reports ). Parcel, owner and legal description, assessed and just values, FEMA flood zone and ground elevation, evacuation zone and FEMA hazard ratings, storm history and estimated wind, storm surge and high-water marks, earthquakes, faults and sinkhole reports, environmental sites nearby and condo and HOA records link to the official source for now. For the county's own records, the report links to each office's search; none is automated and verified here yet unless marked.6
| County records | Status | Where to check |
|---|---|---|
| Recorded deeds, mortgages and liens (clerk) | Link to the official source | Official records search (opens in a new tab) |
| Property tax bill (tax collector) | Link to the official source | Osceola County Tax Collector (opens in a new tab) |
| Building permits | Link to the official source | Link-out to Osceola County Building Office (county Permit Center). Osceola County Building Office (opens in a new tab) |
Neighboring counties
Osceola County borders Brevard County, Highlands County, Indian River County, Lake County, Okeechobee County, Orange County and Polk County. On inland flooding, Osceola County ranks 4th of 8 among itself and its neighbors; Orange County is highest.7
| County | Costliest hazard for buildings | Overall FEMA rating | Expected building loss a year |
|---|---|---|---|
| Brevard County | Hurricanes | Relatively High | $349.9 million |
| Highlands County | Hurricanes | Relatively Moderate | $38.0 million |
| Indian River County | Hurricanes | Relatively High | $150.0 million |
| Lake County | Inland flooding | Relatively Moderate | $80.0 million |
| Okeechobee County | Inland flooding | Relatively Low | $20.0 million |
| Orange County | Inland flooding | Relatively High | $325.3 million |
| Polk County | Hurricanes | Relatively High | $183.2 million |
Sources of information
- FEMA National Risk Index (county level) (opens in a new tab). release: December 2025; retrieved 2026-10-05.
- OpenFEMA Disaster Declarations Summaries (opens in a new tab). retrieved 2026-10-05.
- NOAA National Hurricane Center HURDAT2 (Atlantic) (opens in a new tab). storms through 2025; track within 30 miles of the county boundary while at tropical-storm strength or stronger; landfall points within 6 miles assigned to the nearest county; retrieved 2026-10-05.
- U.S. Census Bureau, 2024 Nonemployer Statistics and Vintage 2024 population estimates (opens in a new tab). retrieved 2026-10-05.
- onlinerecords.us county registry (official office links). retrieved 2026-10-05.
- onlinerecords.us coverage checks on test reports. retrieved 2026-10-05.
- U.S. Census Bureau county adjacency file (2024) (opens in a new tab). retrieved 2026-10-05.
Figures describe the county as a whole, not any one property. A free report shows the parcel's own flood zone, elevation, storm history and records.