Natural hazards · Westlake

Westlake, FL natural hazards

Most of the natural-hazard damage FEMA expects in Westlake comes from hurricanes, and overall the risk is moderate for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Westlake?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Westlake to be higher than in 54% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes63%Inland flooding22%Cold waves8%Everything else8%

By hazard

What Westlake faces

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

Hurricanes

63% of expected damage

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

Recorded about once every 3 years in the area

Inland flooding

22% of expected damage

Well below average · higher than 9% of U.S. places

Recorded about 2 times a year in the area

Cold waves

8% 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 Westlake flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Westlake 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 Westlake

2 federal disasters brought FEMA money here

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

Brought FEMA money into WestlakeDeclared for Palm Beach County only

2024

Hurricane Milton

13 households applied for aid

2022

Hurricane Ian

4 households applied for aid $300 aid approved

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

Around Westlake

Westlake and the towns around it

Very lowLowModerateHighVery high

The Acreagemostly hurricanesHigh

Loxahatchee Grovesmostly hurricanesHigh

Westlakemostly 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. Westlake covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Westlake’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Westlake. 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 Westlake total about $484K 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.