Natural hazards · Cypress Lake

Cypress Lake, FL natural hazards

Most of the natural-hazard damage FEMA expects in Cypress Lake comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 131 claims here since 1985. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Cypress Lake?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cypress Lake to be higher than in 84% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes74%Inland flooding21%Everything else6%

By hazard

What Cypress Lake faces

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

Hurricanes

74% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about once every 4 years in the area

Inland flooding

21% of expected damage

Below average · higher than 36% of U.S. places

Recorded about once 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 Cypress Lake flood?

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

131paid claims since 1985

$8.1Mpaid to owners

0homes flooded more than once

19852026

Biggest named events

Hurricane Ian: 73 claims, $7.5M
Hurricane Irma: 18 claims, $313K
Hurricane Charley: 6 claims, $43K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Cypress 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: Lee County.

Disasters that hit Cypress Lake

1 federal disaster brought FEMA money here

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

Brought FEMA money into Cypress LakeDeclared for Lee County only

2017

Hurricane Irma

2 households applied for aid

Lee County has had 38 natural disasters declared since 1953, most often hurricanes and fires.

Around Cypress Lake

Cypress Lake and the towns around it

Very lowLowModerateHighVery high

Villasmostly hurricanesVery high

Cypress Lakemostly hurricanesVery high

Whiskey Creekmostly hurricanesVery high

McGregormostly hurricanesVery high

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. Cypress Lake covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Cypress Lake’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Cypress 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 Cypress Lake total about $7.4M 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.