FEMA expects more hazard damage per building in North Lakeport than in 98% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, North Lakeport gets a D− for hazard risk: higher expected damage per building than 98% of U.S. towns, #742 of 847 in California. Most of that expected damage is river and rain flooding (55%), then earthquakes (29%). FEMA’s files show no paid flood insurance claims here.
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 North Lakeport 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
Wildfire
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 North Lakeport’s grade
River and rain flooding is 55% of the building damage FEMA expects in North Lakeport, and North Lakeport’s rate of river and rain flooding damage is in the top 4% of U.S. census tracts. Earthquakes add 29%, at a rate in the top 6% of U.S. census tracts.
D− #742 of 847 in California; higher expected damage per building than 98% of U.S. towns (21,298).
North Lakeport’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical California town has higher expected damage than 92% of U.S. towns; within the state, North Lakeport has more expected damage per building than 88% of California towns.
In dollars, FEMA expects about $5.3M a year in losses across North Lakeport: $4.0M to buildings, the rest to people and crops.
Does North Lakeport flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in North Lakeport. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
North Lakeport isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Lake County.The storms North Lakeport remembers
None of the 22 disasters declared for Lake County shows FEMA aid or repair money reaching North Lakeport itself in FEMA’s records, so these are its biggest flood-claim years.
Lake County has had 22 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 10 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Lake County, 2004–2024.
North Lakeport and its neighbors
North Lakeport is 2nd of the 2 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Lakeport | D−more damage than 98% | river and rain flooding | 241 |
| North Lakeport | D−more damage than 98% | river and rain flooding | 0 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what North Lakeport 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.
- 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.
- 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 North Lakeport
Is North Lakeport at risk for natural disasters?
On FEMA’s National Risk Index, North Lakeport has higher expected damage per building than 98% of U.S. towns: D− for hazard risk, #742 of 847 in California. Most of the expected damage is river and rain flooding (55%) and earthquakes (29%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is North Lakeport 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 Lake County, 15% of homes in mapped flood zones carry federal flood insurance, and 2.4% of all homes do.
How much is flood insurance in North Lakeport?
FEMA’s Community Rating System list shows no discount for North Lakeport’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is North Lakeport at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (55%), and North Lakeport’s rate for it is in the top 4% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in North Lakeport.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where North Lakeport’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.