Natural hazards · Cloud Lake

Cloud Lake, FL natural hazards

Most of the natural-hazard damage FEMA expects in Cloud Lake comes from hurricanes, and overall the risk is high for a U.S. community. Flood insurance has paid 5 claims here since 1982. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Cloud Lake?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cloud Lake to be higher than in 71% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes54%Inland flooding37%Everything else9%

By hazard

What Cloud Lake faces

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

Hurricanes

54% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about once every 3 years in the area

Inland flooding

37% of expected damage

Below average · higher than 46% of U.S. places

Recorded about 2 times a year in the area

Lower here

Coastal floodingTornadoesHailCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Ice stormsWinter weatherDroughtAvalanchesTsunamisVolcanic 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 Cloud Lake flood?

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

5paid claims since 1982

$20Kpaid to owners

1homes flooded more than once

19822026

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

🏷️ 15% off flood insurance. Cloud Lake is in FEMA’s Community Rating System (class 7) for its flood-proofing work.

Insurance rates: Palm Beach County.

What’s been done with FEMA grants

1buildings retrofitted against wind

Disasters that hit Cloud Lake

5 federal disasters brought FEMA money here

Disasters the President declared that paid out in Cloud Lake itself: aid to households, or repair grants to the Town of Cloud Lake.

Brought FEMA money into Cloud LakeDeclared for Palm Beach County only

2017

Hurricane Irma

3 households applied for aid $15K to the Town of Cloud Lake for repairs

2005

Hurricane Wilma

1 household applied for aid $836 aid approved $10K to the Town of Cloud Lake for repairs

2004

Hurricane Jeanne

$12K to the Town of Cloud Lake for repairs

2004

Hurricane Frances

$19K to the Town of Cloud Lake for repairs

1999

Fl-Hurricane Irene-Dr-Req

$2K to the Town of Cloud Lake for repairs

Palm Beach County has had 31 natural disasters declared since 1953, most often hurricanes and freezes.

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. Cloud Lake is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Cloud Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Cloud Lake. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.