FEMA expects less hazard damage per building in Lake Mary Township than in 81% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Lake Mary Township gets an A− for hazard risk: lower expected damage per building than 81% of U.S. towns. Most of that expected damage is river and rain flooding (77%), then tornadoes (14%). Flood insurance has paid 7 claims here since 2001.
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 Lake Mary Township 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
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 Lake Mary Township’s grade
River and rain flooding is 77% of the building damage FEMA expects in Lake Mary Township, and Lake Mary Township’s rate of river and rain flooding damage is lower than 63% of U.S. census tracts. Strong wind adds 6%, at a rate in the top 10% of U.S. census tracts.
A− lower expected damage per building than 81% of U.S. towns (21,298).
Lake Mary Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $488K a year in losses across Lake Mary Township: $292K to buildings, the rest to people and crops.
Does Lake Mary Township flood? Rarely: 7 flood claims since 2001
Every paid claim on a federal flood insurance policy in Lake Mary Township, from FEMA’s records: 10.3 per 1,000 homes, more than 74% of the 13,809 U.S. towns with a flood insurance record.
Lake Mary Township isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Douglas County.1 federal disaster brought FEMA money to Lake Mary Township
Disasters that paid out in Lake Mary Township itself (aid to households or repair grants to Lake Mary Township), newest first, with that year’s flood claims.
- 2001Severe Winter Storms, Flooding, and Tornadoes$6K to Lake Mary Township for repairs1 flood claim paid that year
Douglas County has had 10 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Lake Mary Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lake Mary Township archive →Lake Mary Township and its neighbors
Lake Mary Township is 3rd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Alexandria | A+less damage than 97% | river and rain flooding | — |
| La Grand Township | Aless damage than 86% | river and rain flooding | — |
| Lake Mary Township | A−less damage than 81% | river and rain flooding | 7 |
| Holmes City Township | — | 670 residents; we grade 1,000+ | |
| Reno Township | — | 410 residents; we grade 1,000+ | |
| Hudson Township | — | not graded yet | |
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.
Get ready for what Lake Mary Township 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.
- 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 Lake Mary Township
Is Lake Mary Township at risk for natural disasters?
On FEMA’s National Risk Index, Lake Mary Township has lower expected damage per building than 81% of U.S. towns: A− for hazard risk. Most of the expected damage is river and rain flooding (77%) and tornadoes (14%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Lake Mary Township flood?
Flood insurance has paid 7 claims in Lake Mary Township since 2001, $209K in all, or 10.3 per 1,000 homes, more than 74% of U.S. towns with a flood insurance record.
Is Lake Mary Township 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 Douglas County, 7% of homes in mapped flood zones carry federal flood insurance, and 0.0% of all homes do.
How much is flood insurance in Lake Mary Township?
FEMA’s Community Rating System list shows no discount for Lake Mary Township’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 Lake Mary Township?
By FEMA money that reached Lake Mary Township, Severe Winter Storms, Flooding, and Tornadoes (2001): $6K to Lake Mary Township for repairs.
Is Lake Mary Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (77%), and Lake Mary Township’s rate for it is lower than 63% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lake Mary Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lake Mary Township’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.