FEMA puts Jan Phyl Village’s expected hazard damage per building above that of 72% of U.S. towns, led by hurricanes
On FEMA’s National Risk Index, Jan Phyl Village gets a C for hazard risk: higher expected damage per building than 72% of U.S. towns, #200 of 638 in Florida. Most of that expected damage is hurricanes (48%), then river and rain flooding (33%). Flood insurance has paid 2 claims here since 2004.
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 Jan Phyl Village 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
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 Jan Phyl Village’s grade
Hurricanes are 48% of the building damage FEMA expects in Jan Phyl Village, and Jan Phyl Village’s rate of hurricanes damage is in the top 8% of U.S. census tracts. Strong wind adds 13%, at a rate in the top 1% of U.S. census tracts.
C #200 of 638 in Florida; higher expected damage per building than 72% of U.S. towns (21,298).
Jan Phyl Village’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, Jan Phyl Village has less expected damage per building than 69% of Florida towns.
In dollars, FEMA expects about $1.2M a year in losses across Jan Phyl Village: $1.0M to buildings, the rest to people and crops.
Does Jan Phyl Village flood? Rarely: 2 flood claims since 2004
Every paid claim on a federal flood insurance policy in Jan Phyl Village, from FEMA’s records: 0.9 per 1,000 homes, fewer than 81% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Milton1 claim · $25K
- Hurricane Jeanne1 claim · $2K
Jan Phyl Village 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.1 federal disaster brought FEMA money to Jan Phyl Village
Disasters that paid out in Jan Phyl Village itself (aid to households or repair grants to Jan Phyl Village), newest first, with that year’s flood claims.
- 2022Hurricane Ian1 households applied for aid$700 aid approved
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.
Old photos of Jan Phyl Village after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Jan Phyl Village archive →Jan Phyl Village and its neighbors
Jan Phyl Village is 3rd of the 3 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 |
|---|---|---|---|
| Inwood | Cmore damage than 66% | hurricanes | 2 |
| Winter Haven | Cmore damage than 69% | hurricanes | 29 |
| Jan Phyl Village | Cmore damage than 72% | hurricanes | 2 |
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 Jan Phyl Village 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.
- 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 Jan Phyl Village
Is Jan Phyl Village at risk for natural disasters?
On FEMA’s National Risk Index, Jan Phyl Village has higher expected damage per building than 72% of U.S. towns: C for hazard risk, #200 of 638 in Florida. Most of the expected damage is hurricanes (48%) and river and rain flooding (33%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Jan Phyl Village flood?
Flood insurance has paid 2 claims in Jan Phyl Village since 2004, $26K in all, or 0.9 per 1,000 homes, fewer than 81% of U.S. towns with a flood insurance record. The most claims came from Hurricane Milton (1).
Is Jan Phyl Village 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 Jan Phyl Village?
FEMA’s Community Rating System list shows no discount for Jan Phyl Village’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Jan Phyl Village?
By FEMA money that reached Jan Phyl Village, Hurricane Ian (2022): 1 households applied for aid, $700 approved. By flood claims, Hurricane Milton: 1 paid, $25K.
Is Jan Phyl Village at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (48%), and Jan Phyl Village’s rate for it is in the top 8% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Jan Phyl Village.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Jan Phyl Village’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.