Natural hazards · Lamont

Lamont, FL natural hazards

Most of the natural-hazard damage FEMA expects in Lamont comes from hurricanes, and overall the risk is high for a U.S. community. 9 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Lamont?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lamont to be higher than in 77% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes36%Inland flooding30%Tornadoes13%Cold waves12%Everything else10%

By hazard

What Lamont faces

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

Hurricanes

36% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about once every 4 years in the area

Inland flooding

30% of expected damage

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

Recorded about once every 3 years in the area

Tornadoes

13% of expected damage

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

Recorded about once every 6 years in the area

Cold waves

12% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 2 times a year in the area

Lower here

Coastal floodingHailWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Ice stormsAvalanchesTsunamisVolcanic 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 Lamont flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Jefferson County.

Disasters that hit Lamont

9 federal disasters brought FEMA money here

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

Brought FEMA money into LamontDeclared for Jefferson County only

2024

Hurricane Helene

186 households applied for aid $457K aid approved

2024

Hurricane Debby

89 households applied for aid $146K aid approved

2023

Hurricane Idalia

195 households applied for aid $169K aid approved

2018

Hurricane Michael

9 households applied for aid $30K aid approved

2016

Hurricane Hermine

2 households applied for aid $260 aid approved

2008

Tropical Storm Fay

4 households applied for aid $1K aid approved

2005

Hurricane Dennis

10 households applied for aid $14K aid approved

2004

Hurricane Jeanne

13 households applied for aid $43K aid approved

2004

Hurricane Ivan

1 household applied for aid

Jefferson County has had 32 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. Lamont 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 Lamont’s own flood-insurance community; household aid to the registrant’s city; repair grants to Lamont. 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.