Natural hazards · Loughman

Loughman, FL natural hazards

Most of the natural-hazard damage FEMA expects in Loughman 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 Loughman?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Loughman to be higher than in 74% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding38%Hurricanes38%Strong wind10%Everything else14%

By hazard

What Loughman faces

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

Inland flooding

38% of expected damage

Above average · higher than 54% of U.S. places

Recorded about once a year in the area

Hurricanes

38% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once every 4 years in the area

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 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 Loughman flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Loughman 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 Loughman

6 federal disasters brought FEMA money here

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

Brought FEMA money into LoughmanDeclared for Polk County only

2024

Hurricane Milton

5 households applied for aid $20K aid approved

2022

Hurricane Ian

7 households applied for aid $700 aid approved

2017

Hurricane Irma

30 households applied for aid $38K aid approved

2004

Hurricane Jeanne

32 households applied for aid $86K aid approved

2004

Hurricane Frances

23 households applied for aid $41K aid approved

2004

Tropical Storm Bonnie and Hurricane Charley

53 households applied for aid $81K aid approved

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

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

Loughman, FL natural hazards

How exposed is Loughman?

What Loughman faces

Inland flooding

Hurricanes

Strong wind

Lower here

Not a risk here

Does Loughman flood?

6 federal disasters brought FEMA money here

Hurricane Milton

Hurricane Ian

Hurricane Irma

Hurricane Jeanne

Hurricane Frances

Tropical Storm Bonnie and Hurricane Charley

How to read this page

Where to, neighbor?

Matches

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