Photo: Ebyabe · CC BY-SA 3.0FEMA expects about as much hazard damage per building in Lady Lake as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Lady Lake gets a C+ for hazard risk: higher expected damage per building than 58% of U.S. towns, #73 of 638 in Florida. Most of that expected damage is river and rain flooding (63%), then hurricanes (22%). Flood insurance has paid 4 claims here since 2017.
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 Lady Lake 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
Hurricanes
Tornadoes
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 Lady Lake’s grade
River and rain flooding is 63% of the building damage FEMA expects in Lady Lake, and Lady Lake’s rate of river and rain flooding damage is higher than 58% of U.S. census tracts. Strong wind adds 4%, at a rate in the top 9% of U.S. census tracts.
C+ #73 of 638 in Florida; higher expected damage per building than 58% of U.S. towns (21,298).
Lady Lake’s residents live in 5 census tracts; FEMA’s figures are combined by where they live.
The typical Florida town has higher expected damage than 79% of U.S. towns; within the state, Lady Lake has less expected damage per building than 89% of Florida towns.
In dollars, FEMA expects about $4.8M a year in losses across Lady Lake: $4.1M to buildings, the rest to people and crops.
Does Lady Lake flood? Rarely: 4 flood claims since 2017
Every paid claim on a federal flood insurance policy in Lady Lake, from FEMA’s records: 0.4 per 1,000 homes, fewer than 93% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Irma4 claims · $99K
Lady Lake 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.11 federal disasters brought FEMA money to Lady Lake
Disasters that paid out in Lady Lake itself (aid to households or repair grants to the Town of Lady Lake), newest first, with that year’s flood claims.
- 2024Hurricane Milton1,038 households applied for aid$428K aid approved$491K to the Town of Lady Lake for repairs
- 2022Hurricane Nicole16 households applied for aid$3K aid approved
- 2022Hurricane Ian305 households applied for aid$100K aid approved$112K to the Town of Lady Lake for repairs
- 2017Hurricane Irma2,535 households applied for aid$964K aid approved$339K to the Town of Lady Lake for repairs4 flood claims paid for it, $99K
- 2016Hurricane Matthew$16K to the Town of Lady Lake for repairs
- 2008Tropical Storm Fay3 households applied for aid$517 aid approved$25K to the Town of Lady Lake for repairs
Show all 11
- 2007Severe Storms and Tornadoes664 households applied for aid$1.5M aid approved$1.1M to the Town of Lady Lake for repairs
- 2004Hurricane Jeanne335 households applied for aid$246K aid approved$70K to the Town of Lady Lake for repairs
- 2004Hurricane Ivan9 households applied for aid$4K aid approved
- 2004Hurricane Frances345 households applied for aid$241K aid approved$415K to the Town of Lady Lake for repairs
- 2004Tropical Storm Bonnie and Hurricane Charley22 households applied for aid$15K aid approved$10K to the Town of Lady Lake for repairs
Lake County has had 24 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 2 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Lake County, 2000–2007.
Old photos of Lady Lake after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lady Lake archive →Lady Lake and its neighbors
Lady Lake 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 |
|---|---|---|---|
| Fruitland Park | Bless damage than 64% | river and rain flooding | — |
| Lady Lake | C+more damage than 58% | river and rain flooding | 4 |
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 Lady Lake 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.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- 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.
- 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 Lady Lake
Is Lady Lake at risk for natural disasters?
On FEMA’s National Risk Index, Lady Lake has higher expected damage per building than 58% of U.S. towns: C+ for hazard risk, #73 of 638 in Florida. Most of the expected damage is river and rain flooding (63%) and hurricanes (22%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Lady Lake flood?
Flood insurance has paid 4 claims in Lady Lake since 2017, $99K in all, or 0.4 per 1,000 homes, fewer than 93% of U.S. towns with a flood insurance record. The most claims came from Hurricane Irma (4).
Is Lady Lake 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, 24% of homes in mapped flood zones carry federal flood insurance, and 2.5% of all homes do.
How much is flood insurance in Lady Lake?
FEMA’s Community Rating System list shows no discount for Lady Lake’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 Lady Lake?
By FEMA money that reached Lady Lake, Severe Storms and Tornadoes (2007): 664 households applied for aid, $1.5M approved, and $1.1M to the Town of Lady Lake for repairs. By flood claims, Hurricane Irma: 4 paid, $99K.
Is Lady Lake at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (63%), and Lady Lake’s rate for it is higher than 58% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lady Lake.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lady Lake’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.