Lake, FL natural hazards
Most of the natural-hazard damage FEMA expects in Lake comes from hurricanes, and overall the risk is low for a U.S. community. Flood insurance has paid 17 claims here since 1984. 10 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is Lake?
FEMA expects yearly storm and flood damage to homes and buildings in Lake to be higher than in 39% of U.S. communities, mostly from hurricanes and inland flooding.
What Lake faces
Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.
Hurricanes
Inland flooding
Tornadoes
Lightning
Lower here
Not a risk here
Does Lake flood?
Every paid claim on a federal flood insurance policy in Lake, from FEMA’s records.
Biggest named events
- Hurricane Frances: 3 claims, $33K
- Tropical Storm Debby: 3 claims, $11K
- Hurricane Irma: 1 claim, $1K
Homes that flooded again and again
■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times
are insured
are insured
What’s been done with FEMA grants
10 federal disasters brought FEMA money here
Disasters the President declared that paid out in Lake itself: aid to households, or repair grants to the City of Lake.
Hurricane Milton
Hurricane Helene
Hurricane Debby
Hurricane Idalia
Hurricane Ian
Hurricane Irma
Tropical Storm Debby
Tropical Storm Fay
Hurricane Jeanne
Hurricane Frances
How to read this page
FEMA’s expected losses across Lake total about $3.5M 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.