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Lemon Cove CAPhoto: Patrick Pelster · CC BY-SA 3.0
–Not graded
Natural hazards in Lemon Cove · FEMA

Storms, floods and disasters in Lemon Cove

Lemon Cove isn’t graded for hazard risk: Lemon Cove has 484 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
1
of 17 declared for Tulare County
By hazard

What Lemon Cove 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

67%of expected building damage
Well above average · in the top 8% of U.S. census tracts
Recorded about 3 times a year in the area

Wildfire

28%of expected building damage
Well above average · in the top 2% of U.S. census tracts

Earthquakes

5%of expected building damage
Above average · higher than 79% of U.S. census tracts
Smaller shares here
 Tornadoes Hail Strong wind Winter storms Heat waves top 1% Landslides Lightning Avalanches top 0% Volcanic activity top 5%
FEMA models no building damage here
Coastal floodingHurricanesIce stormsCold wavesTsunamis
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts avalanches at 13% of Lemon Cove’s expected losses. Avalanches do little damage to buildings (0.0%), so they aren’t part of the grade.

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.

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 Lemon Cove flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Lemon Cove. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

Lemon Cove isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Tulare County.
Disasters

1 federal disaster brought FEMA money to Lemon Cove

Disasters that paid out in Lemon Cove itself (aid to households or repair grants to Lemon Cove), newest first, with that year’s flood claims.

  1. 2023Severe Winter Storms, Straight-line Winds, Flooding, Landslides, and Mudslides8 households applied for aid$12K aid approved
Disasters declared, by decade
Paid out in Lemon CoveTulare County only

Tulare County has had 17 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Also 3 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Tulare County, 2016–2020.

Were you here?

Old photos of Lemon Cove after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Lemon Cove archive →
Be ready

Get ready for what Lemon Cove faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Wildfire
  • Clear dead leaves and brush within 5 feet of the house.
  • Sign up for local alerts and know two ways out.
  • Keep N95 masks for smoky days.
More from Ready.gov ↗
Earthquakes
  • Drop, cover and hold on.
  • Strap tall furniture and the water heater to the wall.
  • Know how to shut off the gas.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Lemon Cove

Is Lemon Cove 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 Tulare County, 20% of homes in mapped flood zones carry federal flood insurance, and 2.9% of all homes do.

How much is flood insurance in Lemon Cove?

FEMA’s Community Rating System list shows no discount for Lemon Cove’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 Lemon Cove?

By FEMA money that reached Lemon Cove, Severe Winter Storms, Straight-line Winds, Flooding, Landslides, and Mudslides (2023): 8 households applied for aid, $12K approved.

Storm stories

Memories, warnings and help from neighbors in Lemon Cove.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lemon Cove’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.