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Natural hazards · Eagle Lake

Eagle Lake, FL natural hazards

Most of the natural-hazard damage FEMA expects in Eagle Lake comes from hurricanes, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2004. 8 federal disasters brought FEMA money into town.

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

How exposed is Eagle Lake?

59
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Eagle Lake to be higher than in 59% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes49%Inland flooding24%Strong wind13%Tornadoes5%Everything else9%
By hazard

What Eagle Lake faces

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

Hurricanes

49% of expected damage
Well above average · higher than 91% of U.S. places
Recorded about once every 4 years in the area

Inland flooding

24% of expected damage
Well below average · higher than 10% of U.S. places
Recorded about once a year in the area

Strong wind

13% 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 wavesWildfireEarthquakesLandslidesLightningDrought

Not a risk here

Coastal floodingIce stormsWinter weatherAvalanchesTsunamisVolcanic 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 Eagle Lake flood?

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

1paid claims since 2004
$23Kpaid to owners
0homes flooded more than once
20042026

Biggest named events

  • Hurricane Jeanne: 1 claim, $23K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Eagle 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.

What’s been done with FEMA grants

1buildings retrofitted against wind
Disasters that hit Eagle Lake

8 federal disasters brought FEMA money here

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

Brought FEMA money into Eagle LakeDeclared for Polk County only
2024

Hurricane Milton

515 households applied for aid $111K aid approved
2022

Hurricane Ian

400 households applied for aid $285K aid approved
2017

Hurricane Irma

505 households applied for aid $182K aid approved $31K to the City of Eagle Lake for repairs
2008

Tropical Storm Fay

2 households applied for aid $1K to the City of Eagle Lake for repairs
2004

Hurricane Jeanne

240 households applied for aid $378K aid approved $42K to the City of Eagle Lake for repairs
2004

Hurricane Ivan

6 households applied for aid
2004

Hurricane Frances

82 households applied for aid $136K aid approved $21K to the City of Eagle Lake for repairs
2004

Tropical Storm Bonnie and Hurricane Charley

153 households applied for aid $125K aid approved $43K to the City of Eagle Lake for repairs
Polk County has had 34 natural disasters declared since 1953, most often hurricanes and fires.
Around Eagle Lake

Eagle Lake and the towns around it

Wahneta: High, mostly hurricanesWinter Haven: High, mostly hurricanesCypress Gardens: High, mostly hurricanesInwood: High, mostly hurricanesLake Alfred: High, mostly hurricanesAlturas: High, mostly hurricanesLake Wales: High, mostly hurricanesDundee: Moderate, mostly hurricanesAuburndale: High, mostly hurricanesJan Phyl Village: High, mostly hurricanesEagle Lake: Moderate, mostly hurricanes Eagle LakeWahnetaWinter Haven
Very lowLowModerateHighVery high
Wahnetamostly hurricanesHigh
Winter Havenmostly hurricanesHigh
Eagle 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. Eagle Lake covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Eagle Lake’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the City of Eagle 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 Eagle Lake total about $1.1M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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