Photo: Ebyabe · CC BY 2.5FEMA puts Rainbow Lakes Estates’s expected hazard damage per building above that of 75% of U.S. towns, led by hurricanes
On FEMA’s National Risk Index, Rainbow Lakes Estates gets a C for hazard risk: higher expected damage per building than 75% of U.S. towns, #252 of 638 in Florida. Most of that expected damage is hurricanes (49%), then river and rain flooding (41%). 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 Rainbow Lakes Estates faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Hurricanes
River and rain flooding
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 Rainbow Lakes Estates’ grade
Hurricanes are 49% of the building damage FEMA expects in Rainbow Lakes Estates, and Rainbow Lakes Estates’ rate of hurricanes damage is in the top 8% of U.S. census tracts. Coastal flooding adds 4%, at a rate in the top 4% of U.S. census tracts.
C #252 of 638 in Florida; higher expected damage per building than 75% of U.S. towns (21,298).
Rainbow Lakes Estates’ residents live in 3 census tracts; FEMA’s figures are combined by where they live.
The typical Florida town has higher expected damage than 79% of U.S. towns; within the state, Rainbow Lakes Estates has less expected damage per building than 61% of Florida towns.
In dollars, FEMA expects about $1.1M a year in losses across Rainbow Lakes Estates: $708K to buildings, the rest to people and crops.
Does Rainbow Lakes Estates flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Rainbow Lakes Estates. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Rainbow Lakes Estates 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 Rainbow Lakes Estates remembers
None of the 25 disasters declared for Marion County shows FEMA aid or repair money reaching Rainbow Lakes Estates 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 Rainbow Lakes Estates faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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.
- 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 Rainbow Lakes Estates
Is Rainbow Lakes Estates at risk for natural disasters?
On FEMA’s National Risk Index, Rainbow Lakes Estates has higher expected damage per building than 75% of U.S. towns: C for hazard risk, #252 of 638 in Florida. Most of the expected damage is hurricanes (49%) and river and rain flooding (41%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Rainbow Lakes Estates 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 Rainbow Lakes Estates?
FEMA’s Community Rating System list shows no discount for Rainbow Lakes Estates’ flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Rainbow Lakes Estates at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (49%), and Rainbow Lakes Estates’ rate for it is in the top 8% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Rainbow Lakes Estates.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Rainbow Lakes Estates’ 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.