Photo: rossograph · CC BY-SA 4.0Less hazard damage per building is expected in Lawrence than in 67% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Lawrence 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 (59%), then hail (18%). 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 Lawrence 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
Hail
Tornadoes
Strong wind
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 Lawrence’s grade
River and rain flooding is 59% of the building damage FEMA expects in Lawrence, and Lawrence’s rate of river and rain flooding damage is lower than 70% of U.S. census tracts. Hail adds 18%, at a rate in the top 5% of U.S. census tracts.
B+ lower expected damage per building than 67% of U.S. towns (21,298).
All of Lawrence’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $239K a year in losses across Lawrence: $181K to buildings, the rest to people and crops.
Does Lawrence flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Lawrence. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Lawrence isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Van Buren County.2 federal disasters brought FEMA money to Lawrence
Disasters that paid out in Lawrence itself (aid to households or repair grants to the Village of Lawrence), newest first, with that year’s flood claims.
- 2000Snow$2K to the Village of Lawrence for repairs
- 1999Mi - Severe Weather 1/2 /99$4K to the Village of Lawrence for repairs
Van Buren County has had 10 natural disasters declared by the President since 1953, most often winter storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Lawrence after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lawrence archive →Get ready for what Lawrence 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.
- 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.
- 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 Lawrence
Is Lawrence at risk for natural disasters?
On FEMA’s National Risk Index, Lawrence 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 (59%) and hail (18%). 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 Lawrence 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 Van Buren County, 6% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Lawrence?
FEMA’s Community Rating System list shows no discount for Lawrence’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 Lawrence?
By FEMA money that reached Lawrence, Mi - Severe Weather 1/2 /99 (1999): $4K to the Village of Lawrence for repairs.
Is Lawrence at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (59%), and Lawrence’s rate for it is lower than 70% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lawrence.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lawrence’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.