Lady Lake, FL natural hazards
Most of the natural-hazard damage FEMA expects in Lady Lake comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 4 claims here since 2017. 11 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is Lady Lake?
FEMA expects yearly storm and flood damage to homes and buildings in Lady Lake to be higher than in 56% of U.S. communities, mostly from inland flooding and hurricanes.
What Lady Lake faces
Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.
Inland flooding
Hurricanes
Tornadoes
Strong wind
Lower here
Not a risk here
Does Lady Lake flood?
Every paid claim on a federal flood insurance policy in Lady Lake, from FEMA’s records.
Biggest named events
- Hurricane Irma: 4 claims, $99K
are insured
are insured
What’s been done with FEMA grants
11 federal disasters brought FEMA money here
Disasters the President declared that paid out in Lady Lake itself: aid to households, or repair grants to the Town of Lady Lake.
Hurricane Milton
Hurricane Nicole
Hurricane Ian
Hurricane Irma
Hurricane Matthew
Tropical Storm Fay
Severe Storms and Tornadoes
Hurricane Jeanne
Hurricane Ivan
Hurricane Frances
Tropical Storm Bonnie and Hurricane Charley
How to read this page
FEMA’s expected losses across Lady Lake total about $3.8M a year, counting buildings, people and crops.
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.