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–Not graded
Natural hazards in Lamont · FEMA

Storms, floods and disasters in Lamont

Lamont isn’t graded for hazard risk: Lamont has 78 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
8
of 28 declared for Jefferson County
By hazard

What Lamont 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

47%of expected building damage
Above average · higher than 65% of U.S. census tracts
Recorded about once every 3 years in the area

Hurricanes

44%of expected building damage
Well above average · in the top 7% of U.S. census tracts
Recorded about once every 4 years in the area
Smaller shares here
 Tornadoes Wildfire Coastal flooding Earthquakes Strong wind Lightning Hail Winter storms Cold waves Heat waves Landslides
FEMA models no building damage here
Ice stormsAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 12% of Lamont’s expected losses. Cold waves do little damage to buildings (0.1%), 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 Lamont flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Lamont. 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

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

Insurance rates: Jefferson County.
Disasters

8 federal disasters brought FEMA money to Lamont

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

  1. 2024Hurricane Helene186 households applied for aid$457K aid approved
  2. 2024Hurricane Debby89 households applied for aid$146K aid approved
  3. 2023Hurricane Idalia195 households applied for aid$169K aid approved
  4. 2018Hurricane Michael9 households applied for aid$30K aid approved
  5. 2016Hurricane Hermine2 households applied for aid$260 aid approved
  6. 2008Tropical Storm Fay4 households applied for aid$1K aid approved
Show all 8
  1. 2005Hurricane Dennis10 households applied for aid$14K aid approved
  2. 2004Hurricane Jeanne13 households applied for aid$43K aid approved
Disasters declared, by decade
Paid out in LamontJefferson County only

Jefferson County has had 28 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.

Were you here?

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

Add to the Lamont archive →
Be ready

Get ready for what Lamont 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 ↗
Hurricane season
  • 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.
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 Lamont

Is Lamont 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 Jefferson County, 12% of homes in mapped flood zones carry federal flood insurance, and 1.2% of all homes do.

How much is flood insurance in Lamont?

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

By FEMA money that reached Lamont, Hurricane Helene (2024): 186 households applied for aid, $457K approved.

Storm stories

Memories, warnings and help from neighbors in Lamont.

Town Square →
Start the conversation

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