Normal Hall · Photo: Nyttend · Public domainFEMA expects less hazard damage per building in Ladoga than in 66% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Ladoga gets a B+ for hazard risk: lower expected damage per building than 66% of U.S. towns. Most of that expected damage is river and rain flooding (77%), then earthquakes (10%). 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 Ladoga 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
Earthquakes
Hail
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 Ladoga’s grade
River and rain flooding is 77% of the building damage FEMA expects in Ladoga, and Ladoga’s rate of river and rain flooding damage is lower than 50% of U.S. census tracts. Next is earthquakes at 10% (higher than 75% of U.S. census tracts).
B+ lower expected damage per building than 66% of U.S. towns (21,298).
All of Ladoga’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $434K a year in losses across Ladoga: $241K to buildings, the rest to people and crops.
Does Ladoga flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Ladoga. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Ladoga isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Montgomery County.2 federal disasters brought FEMA money to Ladoga
Disasters that paid out in Ladoga itself (aid to households or repair grants to the Town of Ladoga), newest first, with that year’s flood claims.
- 2003Severe Storms, Tornadoes, and Flooding2 households applied for aid$5K aid approved
- 2003Severe Storms, Tornadoes, and Flooding1 households applied for aid$302 aid approved
Montgomery County has had 18 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Ladoga after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Ladoga archive →Get ready for what Ladoga 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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.
- 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 Ladoga
Is Ladoga at risk for natural disasters?
On FEMA’s National Risk Index, Ladoga has lower expected damage per building than 66% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (77%) and earthquakes (10%). 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 Ladoga 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 Montgomery County, 17% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Ladoga?
FEMA’s Community Rating System list shows no discount for Ladoga’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 Ladoga?
By FEMA money that reached Ladoga, Severe Storms, Tornadoes, and Flooding (2003): 2 households applied for aid, $5K approved.
Is Ladoga at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (77%), and Ladoga’s rate for it is lower than 50% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Ladoga.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Ladoga’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.