Natural hazards · Cypress Quarters

Cypress Quarters, FL natural hazards

Most of the natural-hazard damage FEMA expects in Cypress Quarters comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 3 claims here since 2004.

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

Expected damage

How exposed is Cypress Quarters?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cypress Quarters to be higher than in 82% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding49%Hurricanes39%Everything else13%

By hazard

What Cypress Quarters faces

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

Inland flooding

49% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once every 5 years in the area

Hurricanes

39% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about once every 3 years in the area

Lower here

TornadoesHailCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Cypress Quarters flood?

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

3paid claims since 2004

$8Kpaid to owners

0homes flooded more than once

20042026

Biggest named events

Hurricane Wilma: 1 claim, $4K
Tropical Storm Fay: 1 claim, $330
Hurricane Frances: 1 claim, $4K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Okeechobee County.

Disasters that hit Cypress Quarters

Federal disasters declared here

None of the disasters declared for Okeechobee County shows FEMA aid or repair money reaching Cypress Quarters itself in FEMA’s records.

Brought FEMA money into Cypress QuartersDeclared for Okeechobee County only

Okeechobee County has had 27 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. Cypress Quarters covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Cypress Quarters’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Cypress Quarters. 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 Quarters total about $1.4M 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.