Winter Haven, FL natural hazards
Most of the natural-hazard damage FEMA expects in Winter Haven comes from hurricanes, and overall the risk is high for a U.S. community. Flood insurance has paid 29 claims here since 1979. 12 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is Winter Haven?
FEMA expects yearly storm and flood damage to homes and buildings in Winter Haven to be higher than in 60% of U.S. communities, mostly from hurricanes and inland flooding.
What Winter Haven faces
Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.
Hurricanes
Inland flooding
Strong wind
Tornadoes
Lower here
Not a risk here
Does Winter Haven flood?
Every paid claim on a federal flood insurance policy in Winter Haven, from FEMA’s records.
Biggest named events
- Hurricane Jeanne: 9 claims, $71K
- Hurricane Frances: 6 claims, $112K
- Hurricane Ian: 3 claims, $28K
are insured
are insured
What’s been done with FEMA grants
12 federal disasters brought FEMA money here
Disasters the President declared that paid out in Winter Haven itself: aid to households, or repair grants to the City of Winter Haven.
Hurricane Milton
Hurricane Idalia
Hurricane Ian
Hurricane Irma
Tropical Storm Debby
Tropical Storm Fay
Hurricane Wilma
Hurricane Jeanne
Hurricane Ivan
Hurricane Frances
Tropical Storm Bonnie and Hurricane Charley
Fl-Hurricane Irene-Dr-Req
Winter Haven and the towns around it
How to read this page
FEMA’s expected losses across Winter Haven total about $10.4M 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.