Natural hazards · Lake Royale

Lake Royale, NC natural hazards

Most of the natural-hazard damage FEMA expects in Lake Royale comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Lake Royale?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lake Royale to be higher than in 51% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding57%Tornadoes16%Cold waves6%Heat waves5%Everything else16%

By hazard

What Lake Royale faces

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

Inland flooding

57% of expected damage

Above average · higher than 71% of U.S. places

Recorded about once a year in the area

Tornadoes

16% of expected damage

Above average · higher than 71% of U.S. places

Cold waves

6% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about once a year in the area

Heat waves

5% of expected damage

Above average · higher than 51% of U.S. places

Recorded about 6 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Royale flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Franklin County.

Disasters that hit Lake Royale

Federal disasters declared here

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

Brought FEMA money into Lake RoyaleDeclared for Franklin County only

Franklin County has had 19 natural disasters declared since 1953, most often hurricanes and winter 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 Royale covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Lake Royale’s own flood-insurance community; household aid to the registrant’s city; repair grants to Lake Royale. 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 Royale total about $566K 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.