TownTapestry
Sign inJoin
Lower LakeGood morning
Natural hazards · Lower Lake

Lower Lake, CA natural hazards

Most of the natural-hazard damage FEMA expects in Lower Lake comes from inland flooding, and overall the risk is very high for a U.S. community. 5 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations
Expected damage

How exposed is Lower Lake?

100
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lower Lake to be higher than in 100% of U.S. communities, mostly from inland flooding and wildfires.

Inland flooding36%Wildfire34%Avalanches14%Earthquakes12%Everything else5%
By hazard

What Lower Lake faces

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

Inland flooding

36% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about once every 2 years in the area

Wildfire

34% of expected damage
Well above average · among the top 1% of U.S. places

Avalanches

14% of expected damage
Well below average · higher than 0% of U.S. places
Recorded about once every 8 years in the area

Earthquakes

12% of expected damage
Well above average · higher than 91% of U.S. places

Lower here

TornadoesHailWinter weatherHeat wavesLandslidesStrong windLightningDroughtVolcanic activity

Not a risk here

Coastal floodingHurricanesIce stormsCold wavesTsunamis
Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Lower Lake flood?

FEMA's records show no paid flood insurance claims in Lower Lake.

of homes in flood zones
are insured
of all homes
are insured
No community discount. Lower Lake isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Lake County.
Disasters that hit Lower Lake

5 federal disasters brought FEMA money here

Disasters the President declared that paid out in Lower Lake itself: aid to households, or repair grants to Lower Lake.

Brought FEMA money into Lower LakeDeclared for Lake County only
2020

Wildfires

28 households applied for aid $5K aid approved
2018

Wildfires and High Winds

2 households applied for aid
2017

Wildfires

14 households applied for aid
2015

Valley Fire and Butte Fire

51 households applied for aid $53K aid approved
2005

Severe Storms, Flooding, Mudslides, and Landslides

7 households applied for aid $6K aid approved
Lake County has had 32 natural disasters declared since 1953, most often fires and severe storms.
About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.
Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Lower Lake is smaller than a census tract, so it shares the figures of the tract around its center.
Money that reached townFlood claims are matched to Lower Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to Lower Lake. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); 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. Census tracts: U.S. Census Bureau.

The coffee’s on

Where to, neighbor?

You’re in Lower Lake, CAView boundary

Nearby

All towns & citiesExplore the map

Local begins with a boundary.

See what belongs to your selected town.

Loading boundary…

Lower Lake is your selected town. The feed includes posts assigned to this town, not a distance radius or ZIP code.

Neighborhoods narrow the feed further, while townwide announcements, events, and issues remain visible.

Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/19 · 2025-01-01
Open detailed map