Natural hazards · Three Lakes

Three Lakes, FL natural hazards

Most of the natural-hazard damage FEMA expects in Three Lakes comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 3 claims here since 2005. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Three Lakes?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Three Lakes to be higher than in 72% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding45%Hurricanes42%Everything else13%

By hazard

What Three Lakes faces

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

Inland flooding

45% of expected damage

Above average · higher than 66% of U.S. places

Recorded about 4 times a year in the area

Hurricanes

42% of expected damage

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

Recorded about once every 4 years in the area

Lower here

Coastal floodingTornadoesHailCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Ice stormsWinter weatherAvalanchesTsunamisVolcanic 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 Three Lakes flood?

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

3paid claims since 2005

$65Kpaid to owners

0homes flooded more than once

20052026

Biggest named events

Hurricane Katrina: 1 claim, $29K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Dade County.

Disasters that hit Three Lakes

1 federal disaster brought FEMA money here

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

Brought FEMA money into Three LakesDeclared for Dade County only

2017

Hurricane Irma

3 households applied for aid

Dade County has had 35 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Three Lakes

Three Lakes and the towns around it

Very lowLowModerateHighVery high

Country Walkmostly inland floodingVery high

The Crossingsmostly inland floodingVery high

Richmond Heightsmostly inland floodingHigh

Three Lakesmostly inland floodingHigh

Kendallmostly inland floodingHigh

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. Three Lakes covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Three Lakes’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Three Lakes. 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 Three Lakes total about $5.4M 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.