Natural hazards · Lake Worth Beach

Lake Worth Beach, FL natural hazards

Most of the natural-hazard damage FEMA expects in Lake Worth Beach comes from hurricanes, and overall the risk is high for a U.S. community. Flood insurance has paid 118 claims here since 1978. 12 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Lake Worth Beach?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lake Worth Beach to be higher than in 60% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes64%Inland flooding26%Everything else11%

By hazard

What Lake Worth Beach faces

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

Hurricanes

64% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about once every 3 years in the area

Inland flooding

26% of expected damage

Well below average · higher than 13% of U.S. places

Recorded about 2 times a year in the area

Lower here

Coastal floodingTornadoesHailCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Ice stormsWinter weatherDroughtAvalanchesTsunamisVolcanic 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 Worth Beach flood?

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

118paid claims since 1978

$1.1Mpaid to owners

11homes flooded more than once

19782026

Biggest named events

Hurricane Frances: 10 claims, $108K
Hurricane Irene: 9 claims, $71K
Hurricane Jeanne: 8 claims, $60K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

🏷️ 20% off flood insurance. Lake Worth Beach is in FEMA’s Community Rating System (class 6) for its flood-proofing work.

Insurance rates: Palm Beach County.

Disasters that hit Lake Worth Beach

12 federal disasters brought FEMA money here

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

Brought FEMA money into Lake Worth BeachDeclared for Palm Beach County only

2024

Hurricane Milton

250 households applied for aid $49K aid approved

2022

Hurricane Nicole

$53K to the City of Lake Worth Beach for repairs

2022

Hurricane Ian

1,249 households applied for aid $67K aid approved

2019

Hurricane Dorian

$120K to the City of Lake Worth Beach for repairs

2017

Hurricane Irma

$2.3M to the City of Lake Worth Beach for repairs

2016

Hurricane Matthew

$164K to the City of Lake Worth Beach for repairs

2012

Hurricane Isaac

$19K to the City of Lake Worth Beach for repairs

2005

Hurricane Wilma

$11.9M to the City of Lake Worth Beach for repairs

2004

Hurricane Jeanne

$3.6M to the City of Lake Worth Beach for repairs

2004

Hurricane Frances

$7.4M to the City of Lake Worth Beach for repairs

1999

Fl-Hurricane Irene-Dr-Req

$128K to the City of Lake Worth Beach for repairs

1999

Hurricane Floyd Major Disaster Declarations

$41K to the City of Lake Worth Beach for repairs

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

Around Lake Worth Beach

Lake Worth Beach and the towns around it

Very lowLowModerateHighVery high

Palm Beachmostly hurricanesHigh

Lake Clarke Shoresmostly hurricanesHigh

Lantanamostly hurricanesHigh

Lake Worth Beachmostly hurricanesHigh

West Palm Beachmostly 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 Worth Beach covers 9 census tracts, combined by population.

Money that reached townFlood claims are matched to Lake Worth Beach’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Lake Worth Beach. 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 Worth Beach total about $7.8M 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.