Natural hazards · Frostproof

Frostproof, FL natural hazards

Most of the natural-hazard damage FEMA expects in Frostproof comes from hurricanes, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 2005. 9 federal disasters brought FEMA money into town.

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

How exposed is Frostproof?

62
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Frostproof to be higher than in 62% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes49%Inland flooding31%Strong wind8%Everything else13%
By hazard

What Frostproof 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

31% of expected damage
Well below average · higher than 24% of U.S. places
Recorded about once a year in the area

Strong wind

8% of expected damage
Well above average · higher than 98% of U.S. places
Recorded about once every 2 years in the area

Lower here

TornadoesHailCold 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 Frostproof flood?

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

1paid claims since 2005
$75Kpaid to owners
0homes flooded more than once
20052026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Frostproof 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 Frostproof

9 federal disasters brought FEMA money here

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

Brought FEMA money into FrostproofDeclared for Polk County only
2024

Hurricane Milton

1,399 households applied for aid $1.5M aid approved $68K to the City of Frostproof for repairs
2022

Hurricane Ian

899 households applied for aid $1.8M aid approved $422K to the City of Frostproof for repairs
2017

Hurricane Irma

2,167 households applied for aid $1.2M aid approved $210K to the City of Frostproof for repairs
2012

Tropical Storm Debby

4 households applied for aid $3K aid approved
2008

Tropical Storm Fay

32 households applied for aid $7K aid approved
2004

Hurricane Jeanne

826 households applied for aid $2.2M aid approved $39K to the City of Frostproof for repairs
2004

Hurricane Ivan

18 households applied for aid $3K aid approved
2004

Hurricane Frances

418 households applied for aid $812K aid approved $19K to the City of Frostproof for repairs
2004

Tropical Storm Bonnie and Hurricane Charley

1,679 households applied for aid $2.6M aid approved $468K to the City of Frostproof for repairs
Polk County has had 34 natural disasters declared since 1953, most often hurricanes and fires.
Around Frostproof

Frostproof and the towns around it

Hillcrest Heights: High, mostly hurricanesBabson Park: High, mostly hurricanesCrooked Lake Park: Moderate, mostly hurricanesFrostproof: High, mostly hurricanes FrostproofHillcrest HeightsBabson Park
Very lowLowModerateHighVery high
Babson Parkmostly hurricanesHigh
Hillcrest Heightsmostly hurricanesHigh
Frostproofmostly 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. Frostproof covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Frostproof’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Frostproof. 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 Frostproof total about $956K 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