FEMA puts Lake Belvedere Estates’s expected hazard damage per building above that of 76% of U.S. towns, mostly from hurricanes
On FEMA’s National Risk Index, Lake Belvedere Estates gets a C− for hazard risk: higher expected damage per building than 76% of U.S. towns, #279 of 638 in Florida. Most of that expected damage is hurricanes (58%), then river and rain flooding (40%). 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 Lake Belvedere Estates 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
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 Lake Belvedere Estates’ grade
Hurricanes are 58% of the building damage FEMA expects in Lake Belvedere Estates, and Lake Belvedere Estates’ rate of hurricanes damage is in the top 6% of U.S. census tracts. Next is river and rain flooding at 40% (lower than 57% of U.S. census tracts).
C− #279 of 638 in Florida; higher expected damage per building than 76% of U.S. towns (21,298).
All of Lake Belvedere Estates’ 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, Lake Belvedere Estates has less expected damage per building than 56% of Florida towns.
In dollars, FEMA expects about $432K a year in losses across Lake Belvedere Estates: $367K to buildings, the rest to people and crops.
Does Lake Belvedere Estates flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Lake Belvedere Estates. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Lake Belvedere Estates 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.The storms Lake Belvedere Estates remembers
None of the 29 disasters declared for Palm Beach County shows FEMA aid or repair money reaching Lake Belvedere Estates itself in FEMA’s records, so these are its biggest flood-claim years.
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.
Lake Belvedere Estates and its neighbors
Lake Belvedere Estates 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 |
|---|---|---|---|
| Haverhill | Cmore damage than 72% | hurricanes | 6 |
| Royal Palm Estates | Cmore damage than 75% | hurricanes | — |
| Lake Belvedere Estates | C−more damage than 76% | hurricanes | 0 |
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 Lake Belvedere Estates 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.
- 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 Lake Belvedere Estates
Is Lake Belvedere Estates at risk for natural disasters?
On FEMA’s National Risk Index, Lake Belvedere Estates has higher expected damage per building than 76% of U.S. towns: C− for hazard risk, #279 of 638 in Florida. Most of the expected damage is hurricanes (58%) and river and rain flooding (40%). 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 Lake Belvedere Estates 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 Lake Belvedere Estates?
FEMA’s Community Rating System list shows no discount for Lake Belvedere Estates’ flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Lake Belvedere Estates at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (58%), and Lake Belvedere Estates’ rate for it is in the top 6% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lake Belvedere Estates.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lake Belvedere Estates’ 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.