FEMA puts Lake Mary Jane’s expected hazard damage per building above that of 76% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Lake Mary Jane gets a C− for hazard risk: higher expected damage per building than 76% of U.S. towns. Most of that expected damage is river and rain flooding (50%), then wildfire (20%). 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 Mary Jane 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
Wildfire
Hurricanes
Strong wind
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 Mary Jane’s grade
River and rain flooding is 50% of the building damage FEMA expects in Lake Mary Jane, and Lake Mary Jane’s rate of river and rain flooding damage is higher than 58% of U.S. census tracts. Wildfire adds 20%, at a rate in the top 3% of U.S. census tracts.
C− higher expected damage per building than 76% of U.S. towns (21,298).
All of Lake Mary Jane’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $682K a year in losses across Lake Mary Jane: $508K to buildings, the rest to people and crops.
Does Lake Mary Jane flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Lake Mary Jane. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Lake Mary Jane isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Orange County.The storms Lake Mary Jane remembers
None of the 25 disasters declared for Orange County shows FEMA aid or repair money reaching Lake Mary Jane itself in FEMA’s records, so these are its biggest flood-claim years.
Orange County has had 25 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then winter 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 Orange County, 1999–2001.
Lake Mary Jane and its neighbors
Lake Mary Jane 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 |
|---|---|---|---|
| Orlando | C+more damage than 60% | river and rain flooding | 312 |
| Lake Mary Jane | C−more damage than 76% | 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 Lake Mary Jane 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.
- 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.
- 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 Mary Jane
Is Lake Mary Jane at risk for natural disasters?
On FEMA’s National Risk Index, Lake Mary Jane has higher expected damage per building than 76% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (50%) and wildfire (20%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Lake Mary Jane 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 Orange County, 44% of homes in mapped flood zones carry federal flood insurance, and 3.3% of all homes do.
How much is flood insurance in Lake Mary Jane?
FEMA’s Community Rating System list shows no discount for Lake Mary Jane’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Lake Mary Jane at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (50%), and Lake Mary Jane’s rate for it is higher than 58% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lake Mary Jane.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lake Mary Jane’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.