Lane’s biggest natural hazard is hail
Most of the natural-hazard damage FEMA expects in Lane comes from hail, and overall the risk is high for a U.S. community. 1 federal disaster brought FEMA money into town.
What stands out about Lane’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
Does Lane flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Lane. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
How exposed is Lane?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 70% of U.S. communities, mostly from hail and inland flooding.
Rated higher than 1,431 of the 1,995 Kansas towns we cover.
Lane is smaller than a census tract, so it shares the figures of the tract around its center.
What Lane faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Hail
Inland flooding
Drought
Strong wind
Tornadoes
1 federal disaster brought FEMA money to Lane
Disasters that paid out in Lane itself (aid to households or repair grants to the Township of Lane) and its biggest flood years.
- 2019Severe Storms, Straight-Line Winds, Tornadoes, Flooding,landslides,and Mudslides$55K to the Township of Lane for repairs
Smith County has had 13 natural disasters declared since 1953, most often severe storms and winter storms.
Old photos of Lane after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lane archive →Get ready for what Lane actually faces
A short kit for its top hazards, what to check before you buy, and where neighbors get alerts.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- On a well? Know how deep it is and watch for sputtering.
- Follow the town’s watering limits.
- Fix drips: they add up.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Lane and its neighbors
Lane ranks 2nd calmest of 5 towns around it. Tap a town to see its hazards.
Rating = expected yearly storm and flood damage as a share of what’s there, vs. U.S. communities. Flood claims = paid federal flood insurance claims on record.
Most disasters here begin in May–June
The month each of Smith County’s 13 declared disasters began, since 1953.
What these numbers can and can’t tell you
- An average, not a forecast. FEMA’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 there, so a big city isn’t rated riskier just for having more buildings.
- Money that reached town. Flood claims are matched to Lane’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Lane.
- It follows property value. FEMA’s model weighs damage to buildings, so a place that recently lost many homes can rate lower than it feels.
Storm stories
Memories, warnings and help from neighbors in Lane.
Your answer becomes a post in Town Square.
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. Preparedness tips: Ready.gov. An average of past damage, not a forecast.