Natural hazards · Lake Harbor

Lake Harbor, FL natural hazards

Most of the natural-hazard damage FEMA expects in Lake Harbor comes from inland flooding, 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 Lake Harbor?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lake Harbor to be higher than in 64% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding46%Hurricanes35%Cold waves13%Everything else6%

By hazard

What Lake Harbor faces

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

Inland flooding

46% of expected damage

Below average · higher than 25% of U.S. places

Recorded about 2 times a year in the area

Hurricanes

35% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about once every 3 years in the area

Cold waves

13% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 2 times a year in the area

Lower here

TornadoesHailHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Harbor flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Lake Harbor isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Palm Beach County.

Disasters that hit Lake Harbor

6 federal disasters brought FEMA money here

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

Brought FEMA money into Lake HarborDeclared for Palm Beach County only

2024

Hurricane Milton

2 households applied for aid $1K aid approved

2022

Hurricane Ian

5 households applied for aid $700 aid approved

2017

Hurricane Irma

21 households applied for aid $18K aid approved

2005

Hurricane Wilma

39 households applied for aid $87K aid approved

2004

Hurricane Jeanne

8 households applied for aid $11K aid approved

2004

Hurricane Frances

12 households applied for aid $17K aid approved

Palm Beach County has had 31 natural disasters declared since 1953, most often hurricanes and freezes.

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 Harbor 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 Harbor’s own flood-insurance community; household aid to the registrant’s city; repair grants to Lake Harbor. 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.