Photo: Brandonrush · CC BY-SA 4.0More hazard damage per building is expected in Lonoke than in 77% of U.S. towns, led by river and rain flooding
On FEMA’s National Risk Index, Lonoke gets a C− for hazard risk: higher expected damage per building than 77% of U.S. towns, #72 of 123 in Arkansas. Most of that expected damage is river and rain flooding (40%), then earthquakes (34%). Flood insurance has paid 5 claims here since 2011.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Lonoke faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Earthquakes
Tornadoes
Ice storms
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Lonoke’s grade
River and rain flooding is 40% of the building damage FEMA expects in Lonoke, and Lonoke’s rate of river and rain flooding damage is lower than 57% of U.S. census tracts. Tornadoes add 13%, at a rate in the top 3% of U.S. census tracts.
C− #72 of 123 in Arkansas; higher expected damage per building than 77% of U.S. towns (21,298).
Lonoke’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical Arkansas town has higher expected damage than 73% of U.S. towns; within the state, Lonoke has more expected damage per building than 58% of Arkansas towns.
In dollars, FEMA expects about $2.8M a year in losses across Lonoke: $1.6M to buildings, the rest to people and crops.
Does Lonoke flood? Rarely: 5 flood claims since 2011
Every paid claim on a federal flood insurance policy in Lonoke, from FEMA’s records: 2.4 per 1,000 homes, fewer than 58% of the 13,809 U.S. towns with a flood insurance record.
- The Mid-spring storms2 claims · $150K
- The Late spring severe storms1 claim · $73K
- The Central U.S. April Flooding1 claim · $133K
Lonoke isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Lonoke County.6 federal disasters brought FEMA money to Lonoke
Disasters that paid out in Lonoke itself (aid to households or repair grants to the City of Lonoke), newest first, with that year’s flood claims.
- 2023Severe Storms, Straight-line Winds, and Tornadoes$118K to the City of Lonoke for repairs
- 2023Severe Storms and Tornadoes35 households applied for aid$7K aid approved
- 2011Severe Storms, Tornadoes, and Associated Flooding21 households applied for aid$76K aid approved3 flood claims paid that year
- 2008Severe Storms, Flooding, and Tornadoes3 households applied for aid$4K aid approved
- 2003Severe Storms, Tornadoes, and Flooding1 households applied for aid$4K aid approved
- 2000Severe Winter Ice Storm$190K to the City of Lonoke for repairs
Lonoke County has had 24 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Lonoke after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lonoke archive →Get ready for what Lonoke faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Ice brings down trees and lines: plan for days without power.
- Run a generator outside, far from doors and windows.
- Keep sand or salt by the door.
- 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.
Questions about natural hazards in Lonoke
Is Lonoke at risk for natural disasters?
On FEMA’s National Risk Index, Lonoke has higher expected damage per building than 77% of U.S. towns: C− for hazard risk, #72 of 123 in Arkansas. Most of the expected damage is river and rain flooding (40%) and earthquakes (34%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Lonoke flood?
Flood insurance has paid 5 claims in Lonoke since 2011, $361K in all, or 2.4 per 1,000 homes, fewer than 58% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from Mid-spring storms (2).
Is Lonoke in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Lonoke County, 8% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Lonoke?
FEMA’s Community Rating System list shows no discount for Lonoke’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Lonoke?
By FEMA money that reached Lonoke, Severe Winter Ice Storm (2000): $190K to the City of Lonoke for repairs. By flood claims, Mid-spring storms: 2 paid, $150K.
Is Lonoke at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (40%), and Lonoke’s rate for it is lower than 57% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lonoke.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lonoke’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.