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Direct answer
Is Winter Haven, FL safe from flooding?
Winter Haven has moderate flooding exposure (36/100). It is not extreme, but damaging events can still occur.
City score
36/100
Level: moderate
State average
62/100
Same hazard across FL.
Comparison
Winter Haven is 26 points below the state average for this hazard.
Why this answer
FEMA NFHL flood zones: 12 features intersect this tile.
This answer combines long-term hazard scoring with current live signals. Use the live page for active watch/warning context over the next 6-24 hours.
Insurance pricing and deductible structure can still vary by neighborhood and carrier, so validate policy details against this risk profile.
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