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Natural hazards · Lake Hamilton

Lake Hamilton, FL natural hazards

Most of the natural-hazard damage FEMA expects in Lake Hamilton comes from hurricanes, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 2004. 7 federal disasters brought FEMA money into town.

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

How exposed is Lake Hamilton?

66
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lake Hamilton to be higher than in 66% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes44%Inland flooding27%Strong wind12%Everything else17%
By hazard

What Lake Hamilton faces

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

Hurricanes

44% of expected damage
Well above average · higher than 91% of U.S. places
Recorded about once every 4 years in the area

Inland flooding

27% of expected damage
Below average · higher than 27% 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

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 Lake Hamilton flood?

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

1paid claims since 2004
$12Kpaid to owners
0homes flooded more than once
20042026

Biggest named events

  • Hurricane Jeanne: 1 claim, $12K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Lake Hamilton 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 Lake Hamilton

7 federal disasters brought FEMA money here

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

Brought FEMA money into Lake HamiltonDeclared for Polk County only
2024

Hurricane Milton

156 households applied for aid $57K aid approved $132K to the Town of Lake Hamilton for repairs
2022

Hurricane Ian

101 households applied for aid $45K aid approved $72K to the Town of Lake Hamilton for repairs
2017

Hurricane Irma

251 households applied for aid $80K aid approved $20K to the Town of Lake Hamilton for repairs
2004

Hurricane Jeanne

119 households applied for aid $173K aid approved $23K to the Town of Lake Hamilton for repairs
2004

Hurricane Ivan

1 household applied for aid
2004

Hurricane Frances

49 households applied for aid $55K aid approved $8K to the Town of Lake Hamilton for repairs
2004

Tropical Storm Bonnie and Hurricane Charley

237 households applied for aid $187K aid approved $77K to the Town of Lake Hamilton for repairs
Polk County has had 34 natural disasters declared since 1953, most often hurricanes and fires.
Around Lake Hamilton

Lake Hamilton and the towns around it

Haines City: High, mostly hurricanesDundee: Moderate, mostly hurricanesDavenport: High, mostly inland floodingGrenelefe: High, mostly inland floodingLake Alfred: High, mostly hurricanesWaverly: High, mostly hurricanesLake Wales: High, mostly hurricanesWinter Haven: High, mostly hurricanesLake Hamilton: High, mostly hurricanes Lake HamiltonHaines CityDundee
Very lowLowModerateHighVery high
Haines Citymostly hurricanesHigh
Lake Hamiltonmostly hurricanesHigh
Dundeemostly 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. Lake Hamilton covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Lake Hamilton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Lake Hamilton. 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 Lake Hamilton total about $2.1M 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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