Natural hazards · Lapeer

Lapeer, NY natural hazards

Most of the natural-hazard damage FEMA expects in Lapeer comes from inland flooding, and overall the risk is moderate for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Lapeer?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lapeer to be higher than in 57% of U.S. communities, mostly from inland flooding.

Inland flooding84%Everything else16%

By hazard

What Lapeer faces

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

Inland flooding

84% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Lapeer flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Cortland County.

Disasters that hit Lapeer

2 federal disasters brought FEMA money here

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

Brought FEMA money into LapeerDeclared for Cortland County only

2017

Severe Winter Storm and Snowstorm

$5K to the Town of Lapeer for repairs

2006

Severe Storms and Flooding

$33K to the Town of Lapeer for repairs

Cortland County has had 15 natural disasters declared since 1953, most often severe storms and floods.

Around Lapeer

Lapeer and the towns around it

Very lowLowModerateHighVery high

Marathonmostly inland floodingHigh

Lapeermostly inland floodingModerate

Harfordmostly inland floodingModerate

Virgilmostly inland floodingModerate

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. Lapeer 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 Lapeer’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Lapeer. 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.