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Natural hazards · Homeland

Homeland, FL natural hazards

Most of the natural-hazard damage FEMA expects in Homeland comes from hurricanes, and overall the risk is high for a U.S. community. 6 federal disasters brought FEMA money into town.

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

How exposed is Homeland?

78
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Homeland to be higher than in 78% of U.S. communities, mostly from hurricanes and wildfires.

Hurricanes36%Wildfire21%Inland flooding19%Strong wind8%Cold waves8%Everything else8%
By hazard

What Homeland faces

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

Hurricanes

36% of expected damage
Well above average · higher than 91% of U.S. places
Recorded about once every 4 years in the area

Wildfire

21% of expected damage
Well above average · higher than 98% of U.S. places

Inland flooding

19% of expected damage
Below average · higher than 30% 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 a year in the area

Cold waves

8% of expected damage
Well above average · higher than 94% of U.S. places
Recorded about 4 times a year in the area

Lower here

TornadoesHailHeat wavesEarthquakesLandslidesLightningDrought

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 Homeland flood?

FEMA's records show no paid flood insurance claims in Homeland.

of homes in flood zones
are insured
of all homes
are insured
No community discount. Homeland 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 Homeland

6 federal disasters brought FEMA money here

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

Brought FEMA money into HomelandDeclared for Polk County only
2024

Hurricane Milton

26 households applied for aid $10K aid approved
2022

Hurricane Ian

20 households applied for aid $74K aid approved
2017

Hurricane Irma

30 households applied for aid $19K aid approved
2004

Hurricane Jeanne

21 households applied for aid $60K aid approved
2004

Hurricane Frances

7 households applied for aid $14K aid approved
2004

Tropical Storm Bonnie and Hurricane Charley

49 households applied for aid $54K aid approved
Polk County has had 34 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. Homeland is smaller than a census tract, so it shares the figures of the tract around its center.
Money that reached townFlood claims are matched to Homeland’s own flood-insurance community; household aid to the registrant’s city; repair grants to Homeland. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.

We left the porch light on

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/19 · 2025-01-01
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