Natural hazards · Avon Park

Avon Park, FL natural hazards

Most of the natural-hazard damage FEMA expects in Avon Park comes from hurricanes, and overall the risk is high for a U.S. community. Flood insurance has paid 2 claims here since 2017. 11 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations
Expected damage

How exposed is Avon Park?

74
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Avon Park to be higher than in 74% of U.S. communities, mostly from hurricanes and strong winds.

Hurricanes34%Strong wind32%Inland flooding20%Tornadoes7%Everything else7%
By hazard

What Avon Park faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Hurricanes

34% of expected damage
Well above average · higher than 90% of U.S. places
Recorded about once every 4 years in the area

Strong wind

32% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about once every 2 years in the area

Inland flooding

20% of expected damage
Well below average · higher than 16% of U.S. places
Recorded about once every 2 years in the area

Tornadoes

7% of expected damage
Above average · higher than 62% of U.S. places

Lower here

HailCold wavesHeat wavesWildfireEarthquakesLandslidesLightningDrought

Not a risk here

Coastal floodingIce stormsWinter weatherAvalanchesTsunamisVolcanic activity
Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Avon Park flood?

Every paid claim on a federal flood insurance policy in Avon Park, from FEMA’s records.

2paid claims since 2017
$25Kpaid to owners
1homes flooded more than once
20172026

Biggest named events

  • Hurricane Irma: 1 claim, $11K
  • Hurricane Ian: 1 claim, $13K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Avon Park isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Highlands County.

What’s been done with FEMA grants

6buildings retrofitted against wind
Disasters that hit Avon Park

11 federal disasters brought FEMA money here

Disasters the President declared that paid out in Avon Park itself: aid to households, or repair grants to the City of Avon Park.

Brought FEMA money into Avon ParkDeclared for Highlands County only
2024

Hurricane Milton

2,775 households applied for aid $2.1M aid approved $35K to the City of Avon Park for repairs
2022

Hurricane Ian

2,364 households applied for aid $3.1M aid approved $50K to the City of Avon Park for repairs
2017

Hurricane Irma

5,661 households applied for aid $2.7M aid approved
2012

Tropical Storm Debby

14 households applied for aid $11K aid approved
2008

Tropical Storm Fay

$2K to the City of Avon Park for repairs
2005

Hurricane Wilma

$18K to the City of Avon Park for repairs
2004

Hurricane Jeanne

1,794 households applied for aid $2.5M aid approved $300K to the City of Avon Park for repairs
2004

Hurricane Ivan

26 households applied for aid $6K aid approved
2004

Hurricane Frances

638 households applied for aid $662K aid approved $70K to the City of Avon Park for repairs
2004

Tropical Storm Bonnie and Hurricane Charley

2,041 households applied for aid $1.6M aid approved $438K to the City of Avon Park for repairs
1999

Hurricane Floyd Major Disaster Declarations

$4K to the City of Avon Park for repairs
Highlands County has had 29 natural disasters declared since 1953, most often hurricanes and fires.
About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.
Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Avon Park covers 3 census tracts, combined by population.
Money that reached townFlood claims are matched to Avon Park’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Avon Park. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Avon Park total about $3.5M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.

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