FEMA puts Pine Lakes’s expected hazard damage per building above that of 83% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Pine Lakes gets a C− for hazard risk: higher expected damage per building than 83% of U.S. towns. Most of that expected damage is river and rain flooding (64%), then hurricanes (14%). 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 Pine Lakes 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
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 Pine Lakes’ grade
River and rain flooding is 64% of the building damage FEMA expects in Pine Lakes, and Pine Lakes’ rate of river and rain flooding damage is higher than 80% of U.S. census tracts. Wildfire adds 13%, at a rate in the top 3% of U.S. census tracts.
C− higher expected damage per building than 83% of U.S. towns (21,298).
Pine Lakes’ residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $185K a year in losses across Pine Lakes: $142K to buildings, the rest to people and crops.
Does Pine Lakes flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Pine Lakes. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Pine Lakes 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.The storms Pine Lakes remembers
None of the 24 disasters declared for Lake County shows FEMA aid or repair money reaching Pine Lakes itself in FEMA’s records, so these are its biggest flood-claim years.
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.
Get ready for what Pine Lakes 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.
- 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 Pine Lakes
Is Pine Lakes at risk for natural disasters?
On FEMA’s National Risk Index, Pine Lakes has higher expected damage per building than 83% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (64%) and hurricanes (14%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Pine Lakes 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 Pine Lakes?
FEMA’s Community Rating System list shows no discount for Pine Lakes’ flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Pine Lakes at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (64%), and Pine Lakes’ rate for it is higher than 80% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Pine Lakes.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Pine Lakes’ 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.