Natural hazards · Inwood

Inwood, FL natural hazards

Most of the natural-hazard damage FEMA expects in Inwood comes from hurricanes, and overall the risk is high for a U.S. community. Flood insurance has paid 2 claims here since 2004. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Inwood?

High

vs. U.S. communities

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

Hurricanes46%Inland flooding27%Strong wind12%Tornadoes6%Lightning5%Everything else4%

By hazard

What Inwood faces

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

Hurricanes

46% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once every 4 years in the area

Inland flooding

27% of expected damage

Well below average · higher than 20% of U.S. places

Recorded about once a year in the area

Strong wind

12% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once a year in the area

Tornadoes

6% of expected damage

Above average · higher than 56% of U.S. places

Lightning

5% of expected damage

Well above average · higher than 77% of U.S. places

Lower here

HailCold wavesHeat wavesEarthquakesLandslides

Not a risk here

Coastal floodingIce stormsWinter weatherWildfireDroughtAvalanchesTsunamisVolcanic 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 Inwood flood?

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

2paid claims since 2004

$101Kpaid to owners

0homes flooded more than once

20042026

Biggest named events

Hurricane Jeanne: 2 claims, $101K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Inwood 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 Inwood

2 federal disasters brought FEMA money here

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

Brought FEMA money into InwoodDeclared for Polk County only

2017

Hurricane Irma

2 households applied for aid

2004

Tropical Storm Bonnie and Hurricane Charley

1 household applied for aid $918 aid approved

Polk County has had 34 natural disasters declared since 1953, most often hurricanes and fires.

Around Inwood

Inwood and the towns around it

Very lowLowModerateHighVery high

Jan Phyl Villagemostly hurricanesHigh

Auburndalemostly hurricanesHigh

Inwoodmostly hurricanesHigh

Winter Havenmostly 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. Inwood covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Inwood’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Inwood. 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 Inwood total about $946K 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.