Natural hazards · Crystal Lake

Crystal Lake, FL natural hazards

Most of the natural-hazard damage FEMA expects in Crystal Lake comes from hurricanes, and overall the risk is moderate for a U.S. community. Flood insurance has paid 5 claims here since 2004.

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

Expected damage

How exposed is Crystal Lake?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Crystal Lake to be higher than in 53% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes55%Inland flooding19%Strong wind15%Tornadoes5%Everything else6%

By hazard

What Crystal Lake faces

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

Hurricanes

55% of expected damage

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

Recorded about once every 4 years in the area

Inland flooding

19% of expected damage

Well below average · higher than 3% of U.S. places

Recorded about once a year in the area

Strong wind

15% 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 Crystal Lake flood?

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

5paid claims since 2004

$234Kpaid to owners

0homes flooded more than once

20042026

Biggest named events

Hurricane Milton: 3 claims, $165K
Hurricane Irma: 1 claim, $61K
Hurricane Jeanne: 1 claim, $8K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Crystal Lake 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 Crystal Lake

Federal disasters declared here

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

Brought FEMA money into Crystal LakeDeclared for Polk County only

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

Around Crystal Lake

Crystal Lake and the towns around it

Very lowLowModerateHighVery high

Lakelandmostly hurricanesHigh

Crystal Lakemostly hurricanesModerate

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. Crystal Lake covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Crystal Lake’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Crystal Lake. 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 Crystal Lake total about $1.8M 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.