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LakeCamelotclubhouse 20230930 0016Photo: NatFee · CC BY-SA 4.0
B+Hazard risk
Natural hazards in Lake Camelot · FEMA

FEMA puts Lake Camelot’s expected hazard damage per building below that of 67% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Lake Camelot gets a B+ for hazard risk: lower expected damage per building than 67% of U.S. towns. Most of that expected damage is river and rain flooding (70%), then tornadoes (16%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 70%Tornadoes 16%Hail 7%

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

less than 67%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
B+
in Illinois · lower than 67% of U.S. towns
Main hazard
River and rain flooding
70% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
0
of 12 declared for Peoria County

What stands out about Lake Camelot’s natural hazards

From FEMA’s model and FEMA’s records, below.

Lower expected damage than 67% of U.S. townsFEMA’s model of yearly storm and flood damage per dollar of building.Landslides: the top 2% of U.S. tractsFEMA’s building-damage rate for landslides here ranks in the top 2% of U.S. census tracts; it is 0.5% of the damage it expects.
By hazard

What Lake Camelot 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

70%of expected building damage
About average · lower than 58% of U.S. census tracts
Recorded about 2 times a year in the area

Tornadoes

16%of expected building damage
Well above average · higher than 89% of U.S. census tracts
Recorded about once every 18 years in the area

Hail

7%of expected building damage
Well above average · higher than 86% of U.S. census tracts
Recorded about 4 times a year in the area
Smaller shares here
 Earthquakes Strong wind Ice storms Landslides top 2% Winter storms Lightning Hurricanes Wildfire Cold waves Heat waves
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 30% of Lake Camelot’s expected losses. Cold waves do little damage to buildings (0.0%), 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.
Hazard risk grade

What’s behind Lake Camelot’s grade

River and rain flooding is 70% of the building damage FEMA expects in Lake Camelot, and Lake Camelot’s rate of river and rain flooding damage is lower than 58% of U.S. census tracts. Next is tornadoes at 16% (higher than 89% of U.S. census tracts).

Where Lake Camelot sits
Lake Camelot
Least damageMiddleMost damage

B+ lower expected damage per building than 67% of U.S. towns (21,298).

All of Lake Camelot’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding70%Tornadoes16%Hail7%Everything else7%

In dollars, FEMA expects about $833K a year in losses across Lake Camelot: $418K to buildings, the rest to people and crops.

Shared tract.All of Lake Camelot’s 1,798 residents (2020 census) live in one census tract, which it shares with Hanna City village (1,253 residents) and Smithville CDP (157 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Lake Camelot flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Lake Camelot. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of all homes are insured
No community discount

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

Insurance rates: Peoria County.
Disasters

The storms Lake Camelot remembers

None of the 12 disasters declared for Peoria County shows FEMA aid or repair money reaching Lake Camelot itself in FEMA’s records, so these are its biggest flood-claim years.

Disasters declared, by decade
Paid out in Lake CamelotPeoria County only

Peoria County has had 12 natural disasters declared by the President since 1953, most often floods, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Next door

Lake Camelot and its neighbors

Lake Camelot is 2nd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Limestone Township: hazard risk A−Hollis Township: hazard risk BLimestone TownshipHollis TownshipLake Camelot
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Limestone TownshipA−less damage than 76%river and rain flooding153
Lake CamelotB+less damage than 67%river and rain flooding0
Hollis TownshipBless damage than 60%river and rain flooding—

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.

Be ready

Get ready for what Lake Camelot 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 ↗
Tornado warnings
  • 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.
More from Ready.gov ↗
Hail
  • Park in a garage or under cover when storms are forecast.
  • Stay away from windows while it falls.
  • Photograph roof and car damage for your insurer.
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 Lake Camelot

Is Lake Camelot at risk for natural disasters?

On FEMA’s National Risk Index, Lake Camelot has lower expected damage per building than 67% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (70%) and tornadoes (16%). 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 Camelot 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 Peoria County, 0.4% of all homes carry federal flood insurance.

How much is flood insurance in Lake Camelot?

FEMA’s Community Rating System list shows no discount for Lake Camelot’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

Is Lake Camelot at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (70%), and Lake Camelot’s rate for it is lower than 58% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Lake Camelot.

Town Square →
Start the conversation

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