Natural hazards · Combee Settlement

Combee Settlement, FL natural hazards

Most of the natural-hazard damage FEMA expects in Combee Settlement comes from hurricanes, and overall the risk is high for a U.S. community. Flood insurance has paid 13 claims here since 2002.

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

Expected damage

How exposed is Combee Settlement?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Combee Settlement to be higher than in 67% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes43%Inland flooding32%Strong wind12%Tornadoes5%Everything else9%

By hazard

What Combee Settlement faces

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

Hurricanes

43% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once every 4 years in the area

Inland flooding

32% of expected damage

Below average · higher than 33% of U.S. places

Recorded about once a year in the area

Strong wind

12% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once a year in the area

Tornadoes

5% of expected damage

Above average · higher than 56% of U.S. places

Lower here

HailCold wavesHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingIce 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 Combee Settlement flood?

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

13paid claims since 2002

$713Kpaid to owners

0homes flooded more than once

20022026

Biggest named events

Hurricane Milton: 4 claims, $503K
Hurricane Irma: 4 claims, $125K
Hurricane Jeanne: 1 claim, $2K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Combee Settlement isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Polk County.

Disasters that hit Combee Settlement

Federal disasters declared here

None of the disasters declared for Polk County shows FEMA aid or repair money reaching Combee Settlement itself in FEMA’s records.

Brought FEMA money into Combee SettlementDeclared for Polk County only

Polk County has had 34 natural disasters declared since 1953, most often hurricanes and fires.

Around Combee Settlement

Combee Settlement and the towns around it

Very lowLowModerateHighVery high

Combee Settlementmostly hurricanesHigh

Lakelandmostly hurricanesHigh

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. Combee Settlement covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Combee Settlement’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Combee Settlement. 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 Combee Settlement total about $1.2M 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.