Natural hazards · Wauchula

Wauchula, FL natural hazards

Most of the natural-hazard damage FEMA expects in Wauchula comes from strong winds, and overall the risk is very high for a U.S. community. Flood insurance has paid 11 claims here since 2004. 9 federal disasters brought FEMA money into town.

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

How exposed is Wauchula?

94
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Wauchula to be higher than in 94% of U.S. communities, mostly from strong winds and hurricanes.

Strong wind42%Hurricanes37%Inland flooding12%Everything else9%
By hazard

What Wauchula faces

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

Strong wind

42% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about once a year in the area

Hurricanes

37% of expected damage
Well above average · higher than 95% of U.S. places
Recorded about once every 4 years in the area

Inland flooding

12% of expected damage
Well below average · higher than 23% 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 Wauchula flood?

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

11paid claims since 2004
$529Kpaid to owners
1homes flooded more than once
20042026

Biggest named events

  • Hurricane Ian: 6 claims, $310K
  • Hurricane Irma: 2 claims, $198K
  • Hurricane Milton: 1 claim, $5K

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
No community discount. Wauchula isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Hardee County.

What’s been done with FEMA grants

7buildings retrofitted against wind
2buildings floodproofed
Disasters that hit Wauchula

9 federal disasters brought FEMA money here

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

Brought FEMA money into WauchulaDeclared for Hardee County only
2024

Hurricane Milton

1,378 households applied for aid $985K aid approved $244K to the City of Wauchula for repairs
2022

Hurricane Ian

2,428 households applied for aid $5.1M aid approved $791K to the City of Wauchula for repairs
2017

Hurricane Irma

2,302 households applied for aid $1.2M aid approved $507K to the City of Wauchula for repairs
2008

Tropical Storm Fay

$21K to the City of Wauchula for repairs
2005

Hurricane Wilma

$9K to the City of Wauchula for repairs
2004

Hurricane Jeanne

661 households applied for aid $2.1M aid approved $6K to the City of Wauchula for repairs
2004

Hurricane Frances

481 households applied for aid $1.3M aid approved $11K to the City of Wauchula for repairs
2004

Tropical Storm Bonnie and Hurricane Charley

3,332 households applied for aid $6.0M aid approved $2.8M to the City of Wauchula for repairs
2001

Severe Storms, Tornadoes and Flooding Associated With Tropical Storm Gabrielle

$36K to the City of Wauchula for repairs
Hardee County has had 29 natural disasters declared since 1953, most often hurricanes and severe storms.
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. Wauchula covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Wauchula’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Wauchula. 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 Wauchula total about $3.0M 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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