Natural hazards · Lake Lorraine

Lake Lorraine, FL natural hazards

Most of the natural-hazard damage FEMA expects in Lake Lorraine comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 339 claims here since 1979.

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

Expected damage

How exposed is Lake Lorraine?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lake Lorraine to be higher than in 85% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes68%Inland flooding15%Tornadoes8%Everything else10%

By hazard

What Lake Lorraine faces

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

Hurricanes

68% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about once every 4 years in the area

Inland flooding

15% of expected damage

Well below average · higher than 10% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

8% of expected damage

Above average · higher than 65% of U.S. places

Lower here

Coastal floodingHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic activity

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 Lake Lorraine flood?

Every paid claim on a federal flood insurance policy in Lake Lorraine, from FEMA’s records.

339paid claims since 1979

$14.3Mpaid to owners

0homes flooded more than once

19792026

Biggest named events

Hurricane Ivan: 132 claims, $7.0M
Hurricane Opal: 126 claims, $3.9M
Hurricane Sally: 21 claims, $1.6M

of homes in flood zones
are insured

of all homes
are insured

No community discount. Lake Lorraine isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Okaloosa County.

Disasters that hit Lake Lorraine

Federal disasters declared here

None of the disasters declared for Okaloosa County shows FEMA aid or repair money reaching Lake Lorraine itself in FEMA’s records.

Brought FEMA money into Lake LorraineDeclared for Okaloosa County only

Okaloosa County has had 33 natural disasters declared since 1953, most often hurricanes 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. Lake Lorraine covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Lake Lorraine’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Lake Lorraine. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Lake Lorraine total about $4.8M 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.