On FEMA’s figures, Hypoluxo faces more hazard damage per building than 79% of U.S. towns, mostly from hurricanes
On FEMA’s National Risk Index, Hypoluxo gets a C− for hazard risk: higher expected damage per building than 79% of U.S. towns, #321 of 638 in Florida. Most of that expected damage is hurricanes (54%), then river and rain flooding (37%). Flood insurance has paid 5 claims here since 1979.
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 stands out about Hypoluxo’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Hypoluxo 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
Coastal flooding
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 Hypoluxo’s grade
Hurricanes are 54% of the building damage FEMA expects in Hypoluxo, and Hypoluxo’s rate of hurricanes damage is in the top 6% of U.S. census tracts. Coastal flooding adds 8%, at a rate in the top 2% of U.S. census tracts.
C− #321 of 638 in Florida; higher expected damage per building than 79% of U.S. towns (21,298).
Hypoluxo’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical Florida town has higher expected damage than 79% of U.S. towns; within the state, Hypoluxo has more expected damage per building than 50% of Florida towns.
In dollars, FEMA expects about $1.0M a year in losses across Hypoluxo: $927K to buildings, the rest to people and crops.
Does Hypoluxo flood? Rarely: 5 flood claims since 1979
Every paid claim on a federal flood insurance policy in Hypoluxo, from FEMA’s records: 2.3 per 1,000 homes, fewer than 58% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Irene1 claim · $1K
- Hurricane Jeanne1 claim · $1K
- Hurricane Frances1 claim · $2K
Hypoluxo is in FEMA’s Community Rating System (class 7) for its flood-proofing work.
Insurance rates: Palm Beach County.5 federal disasters brought FEMA money to Hypoluxo
Disasters that paid out in Hypoluxo itself (aid to households or repair grants to the Town of Hypoluxo), newest first, with that year’s flood claims.
- 2022Hurricane Ian12 households applied for aid$700 aid approved
- 2017Hurricane Irma311 households applied for aid$139K aid approved$35K to the Town of Hypoluxo for repairs
- 2005Hurricane Wilma11 households applied for aid$19K aid approved$101K to the Town of Hypoluxo for repairs
- 2004Hurricane Jeanne7 households applied for aid$76 aid approved1 flood claim paid for it, $1K
- 2004Hurricane Frances8 households applied for aid$11K aid approved$30K to the Town of Hypoluxo for repairs1 flood claim paid for it, $2K
Palm Beach County has had 29 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Palm Beach County, 1999–1999.
Old photos of Hypoluxo after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Hypoluxo archive →Hypoluxo and its neighbors
Hypoluxo is 4th of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| San Castle | Cmore damage than 69% | hurricanes | 16 |
| Lantana | Cmore damage than 70% | hurricanes | 88 |
| Boynton Beach | Cmore damage than 70% | hurricanes | 257 |
| Hypoluxo | C−more damage than 79% | hurricanes | 5 |
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 Hypoluxo 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.
- Know your evacuation zone and the way off the coast.
- Storm surge comes fast: leave when you’re told, not when the water arrives.
- Move cars to high ground before king tides and nor’easters.
- 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.
- Hypoluxo residents get 15% off flood insurance.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Hypoluxo
Is Hypoluxo at risk for natural disasters?
On FEMA’s National Risk Index, Hypoluxo has higher expected damage per building than 79% of U.S. towns: C− for hazard risk, #321 of 638 in Florida. Most of the expected damage is hurricanes (54%) and river and rain flooding (37%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Hypoluxo flood?
Flood insurance has paid 5 claims in Hypoluxo since 1979, $13K in all, or 2.3 per 1,000 homes, fewer than 58% of U.S. towns with a flood insurance record. The most claims came from Hurricane Irene (1).
Is Hypoluxo 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 Palm Beach County, 43% of homes in mapped flood zones carry federal flood insurance, and 13.0% of all homes do.
How much is flood insurance in Hypoluxo?
Hypoluxo is in FEMA’s Community Rating System (class 7), which takes 15% off federal flood insurance policies for its flood-proofing work. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Hypoluxo?
By FEMA money that reached Hypoluxo, Hurricane Irma (2017): 311 households applied for aid, $139K approved, and $35K to the Town of Hypoluxo for repairs. By flood claims, Hurricane Irene: 1 paid, $1K.
Is Hypoluxo at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (54%), and Hypoluxo’s rate for it is in the top 6% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Hypoluxo.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Hypoluxo’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.