Storms, floods and disasters in Lazy Lake
Lazy Lake isn’t graded for hazard risk: Lazy Lake has 22 residents; we grade towns of 1,000 or more.
What Lazy 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
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.
Does Lazy Lake flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Lazy Lake. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Lazy 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: Broward County.3 federal disasters brought FEMA money to Lazy Lake
Disasters that paid out in Lazy Lake itself (aid to households or repair grants to the Village of Lazy Lake), newest first, with that year’s flood claims.
- 2017Hurricane Irma3 households applied for aid$12K to the Village of Lazy Lake for repairs
- 2005Hurricane Wilma4 households applied for aid$3K aid approved$81K to the Village of Lazy Lake for repairs
- 2004Hurricane Frances1 households applied for aid$36K to the Village of Lazy Lake for repairs
Broward County has had 32 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 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Broward County, 1999–1999.
Old photos of Lazy Lake after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lazy Lake archive →Get ready for what Lazy 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.
- 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 Lazy Lake
Is Lazy 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 Broward County, 76% of homes in mapped flood zones carry federal flood insurance, and 19.2% of all homes do.
How much is flood insurance in Lazy Lake?
FEMA’s Community Rating System list shows no discount for Lazy 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 Lazy Lake?
By FEMA money that reached Lazy Lake, Hurricane Wilma (2005): 4 households applied for aid, $3K approved, and $81K to the Village of Lazy Lake for repairs.
Storm stories
Memories, warnings and help from neighbors in Lazy Lake.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lazy 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.