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Water Damage & Mold Remediation in Apopka, FL

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Updated November 6, 2026. Local figures from FEMA and NOAA data, with sources below.

Air movers and a dehumidifier drying a Florida living room after water damage

Apopka water and flood risk by the numbers

Apopka water and flood risk by the numbers. Flood claim figures cover the City of Apopka flood insurance community.
Flood insurance claims filed since 20047[1]
Total paid on those claims (nominal dollars)$42,146[1]
Claims filed since 20153[1]
Orange County homes in a FEMA high-risk flood zone2.3% (9,209 of 397,341)[2]
Orange County homes with NFIP flood insurance3.3%[2]
Federal major disaster declarations covering Orange County since 200014[3]
Average annual rainfall (Orlando International Airport)51.5 inches[4]
Days per year with 0.1 inch or more of rain77[4]

Want the full statewide table? See Florida flood claims by city.

What the data says for Apopka homeowners

43% of Apopka's claims were filed in 2015 or later, versus 44.9% statewide.

Flood insurance gap

Only 3.3% of homes in Orange County carry NFIP flood insurance[2], and even inside the high-risk flood zone only 44.2% are insured[2]. Uninsured flood damage is paid out of pocket, which makes fast drying to limit the damage even more important.

Rain and humidity

Apopka averages 51 inches of rain a year, with 0.1 inch or more of rain on about 77 days and 23 inches falling in June through August alone[4]. Warm, wet conditions like these are why wet drywall, carpet pad and cabinets need to be dried quickly after any leak.

Disaster history

Orange County has been included in 14 federal major disaster declarations since 2000[3], including Hurricane Milton (2024), Hurricane Debby (2024), Hurricane Idalia (2023), Hurricane Nicole (2022).

What to do right now

  1. Stay away from wet electrical equipment; if reaching the breaker means walking through water, call an electrician[5][6].
  2. Stop the source, then photograph everything and keep receipts[7].
  3. Start drying within 24 to 48 hours[8]. Full step-by-step guide.
Homeowner photographing water-damaged wood flooring for an insurance claim
Photograph the damage before anything is moved.

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Apopka flood claims in detail

Apopka compared with nearby cities

CityClaims (all years)Since 2015Avg paid claimOutside high-risk zone
Apopka73n/an/a
Altamonte Springs15299$53,80614.3%
Winter Park9954$60,26973.5%
Orlando526297$56,77933.3%
Sanford14272$30,05557.6%
Clermont1811n/an/a

Source: FEMA NFIP claims[1].

Florida rules in brief

Areas served

Calls from Apopka are connected with independent providers serving Orange County. ZIP codes include: 32703, 32704, 32712[18].

Nearby: Altamonte Springs, Winter Park, Orlando, Sanford, Clermont, Oviedo.

Apopka water damage and mold questions

How many flood insurance claims have been filed in Apopka?

7 since 2004, 3 of them since 2015, with $42,146 paid in nominal dollars[1]. 43% of Apopka's claims were filed in 2015 or later, versus 44.9% statewide.

How much rain does Apopka get?

About 51 inches a year at Orlando International Airport, with 23 inches in June through August and about 77 days with 0.1 inch or more[4].

Sources

Every figure on this page links to its source. Statutes are from the 2026 Florida Statutes. FEMA and NOAA figures were downloaded on 6 November 2026.

  1. FIMA NFIP Redacted Claims dataset, Florida records (analysis by RestoreNow USA). FEMA OpenFEMA. https://www.fema.gov/openfema-data-page/fima-nfip-redacted-claims-v2 Downloaded 6 Nov 2026. Dollar amounts are nominal (not adjusted for inflation).
  2. NFIP Residential Penetration Rates. FEMA OpenFEMA. https://www.fema.gov/openfema-data-page/nfip-residential-penetration-rates-v1 Data as of 2026-08-03.
  3. Disaster Declarations Summaries. FEMA OpenFEMA. https://www.fema.gov/openfema-data-page/disaster-declarations-summaries-v2
  4. U.S. Climate Normals 1991-2020, annual and seasonal. NOAA National Centers for Environmental Information. https://www.ncei.noaa.gov/products/land-based-station/us-climate-normals
  5. Hurricanes. Ready.gov (FEMA). https://www.ready.gov/hurricanes Accessed 6 Nov 2026.
  6. Safety Guidelines: Reentering Your Flooded Home. U.S. Centers for Disease Control and Prevention. https://www.cdc.gov/floods/safety/reentering-your-flooded-home-safety.html Accessed 6 Nov 2026.
  7. Section 627.7142, 2026 Florida Statutes. The Florida Senate (Florida Statutes). https://www.flsenate.gov/Laws/Statutes/2026/627.7142 Accessed 6 Nov 2026.
  8. A Brief Guide to Mold, Moisture and Your Home. U.S. Environmental Protection Agency. https://www.epa.gov/mold/brief-guide-mold-moisture-and-your-home Accessed 6 Nov 2026.
  9. Section 627.70132, 2026 Florida Statutes. The Florida Senate (Florida Statutes). https://www.flsenate.gov/Laws/Statutes/2026/627.70132 Accessed 6 Nov 2026.
  10. FloodSmart.gov home page. FEMA, National Flood Insurance Program (FloodSmart.gov). https://www.floodsmart.gov/ Accessed 6 Nov 2026.
  11. Section 468.8411, 2026 Florida Statutes. The Florida Senate (Florida Statutes). https://www.flsenate.gov/Laws/Statutes/2026/468.8411 Accessed 6 Nov 2026.
  12. Mold-Related Services: FAQs. Florida Department of Business and Professional Regulation. https://www2.myfloridalicense.com/mold-related-services/faqs/ Accessed 6 Nov 2026.
  13. Mold-Related Services. Florida Department of Business and Professional Regulation. https://www2.myfloridalicense.com/mold-related-services/ Accessed 6 Nov 2026.
  14. Mold removal cost. HomeGuide. https://homeguide.com/costs/mold-removal-cost Accessed 6 Nov 2026.
  15. Mold Remediation Cost Guide: What to Know + How Much You'll Pay. Bob Vila. https://www.bobvila.com/articles/mold-remediation-cost/ Accessed 6 Nov 2026.
  16. How Much Does Water Damage Restoration Cost?. HomeAdvisor. https://www.homeadvisor.com/cost/disaster-recovery/repair-water-damage/ Accessed 6 Nov 2026.
  17. How Much Does Water Damage Restoration Cost?. Bob Vila. https://www.bobvila.com/articles/water-damage-restoration-cost/ Accessed 6 Nov 2026.
  18. US postal codes. GeoNames (CC BY 4.0). https://download.geonames.org/export/zip/
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