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CHazard risk
Natural hazards in Limestone Creek · FEMA

On FEMA’s figures, Limestone Creek faces more hazard damage per building than 73% of U.S. towns, mostly from hurricanes

On FEMA’s National Risk Index, Limestone Creek gets a C for hazard risk: higher expected damage per building than 73% of U.S. towns. Most of that expected damage is hurricanes (56%), then river and rain flooding (40%). Flood insurance has paid 17 claims here since 1995.

Hurricanes 56%River and rain flooding 40%Tornadoes 2%

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

more than 73%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
C
in Florida · higher than 73% of U.S. towns
Main hazard
Hurricanes
56% of expected building damage
Flood claims
17
paid since 1995 · $370K
Flood claims per home
45 per 1,000
more than 92% of U.S. towns
By hazard

What Limestone Creek faces

Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.

Hurricanes

56%of expected building damage
Well above average · in the top 7% of U.S. census tracts
Recorded about once every 3 years in the area

River and rain flooding

40%of expected building damage
Below average · lower than 62% of U.S. census tracts
Recorded about 2 times a year in the area
Smaller shares here
 Tornadoes Wildfire Lightning top 4% Coastal flooding Strong wind Cold waves Hail Earthquakes Heat waves Landslides
FEMA models no building damage here
Winter stormsIce stormsAvalanchesTsunamisVolcanic activity

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Limestone Creek’s grade

Hurricanes are 56% of the building damage FEMA expects in Limestone Creek, and Limestone Creek’s rate of hurricanes damage is in the top 7% of U.S. census tracts. Next is river and rain flooding at 40% (lower than 62% of U.S. census tracts).

Where Limestone Creek sits
Limestone Creek
Least damageMiddleMost damage

C higher expected damage per building than 73% of U.S. towns (21,298).

All of Limestone Creek’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
Hurricanes56%River and rain flooding40%Everything else3%

In dollars, FEMA expects about $375K a year in losses across Limestone Creek: $339K to buildings, the rest to people and crops.

Shared tract.All of Limestone Creek’s 1,316 residents (2020 census) live in one census tract. FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Limestone Creek flood? Sometimes: 17 flood claims since 1995

Every paid claim on a federal flood insurance policy in Limestone Creek, from FEMA’s records: 45.1 per 1,000 homes, more than 92% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1995: 12 claims1996: 0 claims1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 4 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 1 claim2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims199520042016
19952026
Biggest named events
  • Hurricane Frances3 claims · $22K
  • Hurricane Ivan1 claim · $18K
17
paid claims since 1995
$370K
paid to owners
0
homes flooded more than once
$22K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Limestone Creek 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.
Disasters

The storms Limestone Creek remembers

None of the 29 disasters declared for Palm Beach County shows FEMA aid or repair money reaching Limestone Creek itself in FEMA’s records, so these are its biggest flood-claim years.

  1. 199512 flood claims paidThe year of Severe Flooding, declared for Palm Beach County
  2. 20044 flood claims paidThe year of Hurricane Jeanne, declared for Palm Beach County
  3. 20161 flood claims paidThe year of Hurricane Matthew, declared for Palm Beach County
Disasters declared, by decade
Paid out in Limestone CreekPalm Beach County only

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.

Were you here?

Old photos of Limestone Creek after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Limestone Creek archive →
Be ready

Get ready for what Limestone Creek faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

Hurricane season
  • 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.
More from Ready.gov ↗
When the river rises
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Limestone Creek

Is Limestone Creek at risk for natural disasters?

On FEMA’s National Risk Index, Limestone Creek has higher expected damage per building than 73% of U.S. towns: C for hazard risk. Most of the expected damage is hurricanes (56%) 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.

Does Limestone Creek flood?

Flood insurance has paid 17 claims in Limestone Creek since 1995, $370K in all, or 45.1 per 1,000 homes, more than 92% of U.S. towns with a flood insurance record. The most claims came from Hurricane Frances (3).

Is Limestone Creek 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 Limestone Creek?

FEMA’s Community Rating System list shows no discount for Limestone Creek’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 Limestone Creek?

By flood claims, Hurricane Frances: 3 paid, $22K.

Is Limestone Creek at risk from hurricanes?

It is the largest share of the building damage FEMA expects here (56%), and Limestone Creek’s rate for it is in the top 7% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Limestone Creek.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Limestone Creek’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.