Morgan-Townsend House · Photo: Ebyabe · CC BY-SA 4.0On FEMA’s figures, Lake Kerr faces more hazard damage per building than 87% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Lake Kerr gets a D for hazard risk: higher expected damage per building than 87% of U.S. towns. Most of that expected damage is river and rain flooding (53%), then hurricanes (36%). 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 Lake Kerr 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
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 Lake Kerr’s grade
River and rain flooding is 53% of the building damage FEMA expects in Lake Kerr, and Lake Kerr’s rate of river and rain flooding damage is higher than 77% of U.S. census tracts. Hurricanes add 36%, at a rate in the top 8% of U.S. census tracts.
D higher expected damage per building than 87% of U.S. towns (21,298).
Lake Kerr’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $985K a year in losses across Lake Kerr: $855K to buildings, the rest to people and crops.
Does Lake Kerr flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Lake Kerr. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Lake Kerr isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Marion County.The storms Lake Kerr remembers
None of the 25 disasters declared for Marion County shows FEMA aid or repair money reaching Lake Kerr itself in FEMA’s records, so these are its biggest flood-claim years.
Marion County has had 25 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 Marion County, 1999–2000.
Get ready for what Lake Kerr 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.
- 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 Lake Kerr
Is Lake Kerr at risk for natural disasters?
On FEMA’s National Risk Index, Lake Kerr has higher expected damage per building than 87% of U.S. towns: D for hazard risk. Most of the expected damage is river and rain flooding (53%) and hurricanes (36%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Lake Kerr 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 Marion County, 22% of homes in mapped flood zones carry federal flood insurance, and 2.0% of all homes do.
How much is flood insurance in Lake Kerr?
FEMA’s Community Rating System list shows no discount for Lake Kerr’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Lake Kerr at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (53%), and Lake Kerr’s rate for it is higher than 77% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lake Kerr.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lake Kerr’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.