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Natural hazards · Lake Alfred

Lake Alfred, FL natural hazards

Most of the natural-hazard damage FEMA expects in Lake Alfred comes from hurricanes, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 2023. 9 federal disasters brought FEMA money into town.

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

How exposed is Lake Alfred?

76
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lake Alfred to be higher than in 76% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes37%Inland flooding25%Wildfire13%Strong wind10%Everything else15%
By hazard

What Lake Alfred faces

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

Hurricanes

37% of expected damage
Well above average · higher than 92% of U.S. places
Recorded about once every 4 years in the area

Inland flooding

25% of expected damage
Below average · higher than 39% of U.S. places
Recorded about once a year in the area

Wildfire

13% of expected damage
Well above average · higher than 97% of U.S. places

Strong wind

10% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about once a year in the area

Lower here

TornadoesHailCold wavesHeat 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 Lake Alfred flood?

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

1paid claims since 2023
$14Kpaid to owners
0homes flooded more than once
20232026
of homes in flood zones
are insured
of all homes
are insured
🏷️ 20% off flood insurance. Lake Alfred is in FEMA’s Community Rating System (class 6) for its flood-proofing work.
Insurance rates: Polk County.

What’s been done with FEMA grants

1buildings retrofitted against wind
Disasters that hit Lake Alfred

9 federal disasters brought FEMA money here

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

Brought FEMA money into Lake AlfredDeclared for Polk County only
2024

Hurricane Milton

1,099 households applied for aid $696K aid approved $81K to the City of Lake Alfred for repairs
2022

Hurricane Ian

877 households applied for aid $712K aid approved $111K to the City of Lake Alfred for repairs
2017

Hurricane Irma

1,347 households applied for aid $573K aid approved $63K to the City of Lake Alfred for repairs
2012

Tropical Storm Debby

4 households applied for aid $205 aid approved
2008

Tropical Storm Fay

3 households applied for aid
2004

Hurricane Jeanne

441 households applied for aid $626K aid approved $71K to the City of Lake Alfred for repairs
2004

Hurricane Ivan

6 households applied for aid $318 aid approved
2004

Hurricane Frances

183 households applied for aid $188K aid approved $35K to the City of Lake Alfred for repairs
2004

Tropical Storm Bonnie and Hurricane Charley

195 households applied for aid $141K aid approved $94K to the City of Lake Alfred for repairs
Polk County has had 34 natural disasters declared since 1953, most often hurricanes and fires.
Around Lake Alfred

Lake Alfred and the towns around it

Winter Haven: High, mostly hurricanesAuburndale: High, mostly hurricanesHaines City: High, mostly hurricanesCypress Gardens: High, mostly hurricanesInwood: High, mostly hurricanesAlturas: High, mostly hurricanesLake Wales: High, mostly hurricanesDundee: Moderate, mostly hurricanesJan Phyl Village: High, mostly hurricanesEagle Lake: Moderate, mostly hurricanesWahneta: High, mostly hurricanesPolk City: High, mostly hurricanesFussels Corner: High, mostly hurricanesDavenport: High, mostly inland floodingLake Hamilton: High, mostly hurricanesGrenelefe: High, mostly inland floodingLake Alfred: High, mostly hurricanes Lake AlfredWinter HavenAuburndaleHaines City
Very lowLowModerateHighVery high
Lake Alfredmostly hurricanesHigh
Haines Citymostly hurricanesHigh
Auburndalemostly 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. Lake Alfred 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 Lake Alfred’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Lake Alfred. 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.

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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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