For strong wind, Crooked Lake Park’s building-damage rate is in the top 2% of U.S. census tracts
On FEMA’s National Risk Index, Crooked Lake Park gets a C+ for hazard risk: higher expected damage per building than 64% of U.S. towns, #111 of 638 in Florida. Most of that expected damage is hurricanes (50%), then river and rain flooding (27%). FEMA’s files show no paid flood insurance claims here.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Crooked Lake Park faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Hurricanes
River and rain flooding
Strong wind
Wildfire
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Crooked Lake Park’s grade
Hurricanes are 50% of the building damage FEMA expects in Crooked Lake Park, and Crooked Lake Park’s rate of hurricanes damage is in the top 9% of U.S. census tracts. Strong wind adds 11%, at a rate in the top 2% of U.S. census tracts.
C+ #111 of 638 in Florida; higher expected damage per building than 64% of U.S. towns (21,298).
All of Crooked Lake Park’s residents live in one census tract; the figures are that tract’s.
The typical Florida town has higher expected damage than 79% of U.S. towns; within the state, Crooked Lake Park has less expected damage per building than 83% of Florida towns.
In dollars, FEMA expects about $872K a year in losses across Crooked Lake Park: $794K to buildings, the rest to people and crops.
Does Crooked Lake Park flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Crooked Lake Park. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Crooked Lake Park 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.The storms Crooked Lake Park remembers
None of the 27 disasters declared for Polk County shows FEMA aid or repair money reaching Crooked Lake Park itself in FEMA’s records, so these are its biggest flood-claim years.
Polk County has had 27 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 5 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Polk County, 1999–2017.
Crooked Lake Park and its neighbors
Crooked Lake Park has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Crooked Lake Park | C+more damage than 64% | hurricanes | 0 |
| Hillcrest Heights | — | 377 residents; we grade 1,000+ | |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Crooked Lake Park faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Crooked Lake Park
Is Crooked Lake Park at risk for natural disasters?
On FEMA’s National Risk Index, Crooked Lake Park has higher expected damage per building than 64% of U.S. towns: C+ for hazard risk, #111 of 638 in Florida. Most of the expected damage is hurricanes (50%) and river and rain flooding (27%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Crooked Lake Park in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Polk County, 37% of homes in mapped flood zones carry federal flood insurance, and 2.6% of all homes do.
How much is flood insurance in Crooked Lake Park?
FEMA’s Community Rating System list shows no discount for Crooked Lake Park’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Crooked Lake Park at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (50%), and Crooked Lake Park’s rate for it is in the top 9% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Crooked Lake Park.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Crooked Lake Park’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.