FEMA expects more hazard damage per building in Lakefield than in 65% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Lakefield gets a C for hazard risk: higher expected damage per building than 65% of U.S. towns. Most of that expected damage is river and rain flooding (76%), then tornadoes (14%). 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 Lakefield 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
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 Lakefield’s grade
River and rain flooding is 76% of the building damage FEMA expects in Lakefield, and Lakefield’s rate of river and rain flooding damage is higher than 73% of U.S. census tracts. Tornadoes add 14%, at a rate in the top 5% of U.S. census tracts.
C higher expected damage per building than 65% of U.S. towns (21,298).
Lakefield’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.4M a year in losses across Lakefield: $865K to buildings, the rest to people and crops.
Does Lakefield flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Lakefield. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Lakefield isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Jackson County.1 federal disaster brought FEMA money to Lakefield
Disasters that paid out in Lakefield itself (aid to households or repair grants to the City of Lakefield), newest first, with that year’s flood claims.
- 2024Severe Storms and Flooding13 households applied for aid$46K aid approved
Jackson County has had 15 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 Lakefield after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lakefield archive →Lakefield and its neighbors
Lakefield has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Lakefield | Cmore damage than 65% | river and rain flooding | 0 |
| Heron Lake Township | — | 361 residents; we grade 1,000+ | |
| Hunter Township | — | 220 residents; we grade 1,000+ | |
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 Lakefield 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.
- 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 Lakefield
Is Lakefield at risk for natural disasters?
On FEMA’s National Risk Index, Lakefield has higher expected damage per building than 65% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (76%) and tornadoes (14%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Lakefield 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 Jackson County, 0.3% of all homes carry federal flood insurance.
How much is flood insurance in Lakefield?
FEMA’s Community Rating System list shows no discount for Lakefield’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 Lakefield?
By FEMA money that reached Lakefield, Severe Storms and Flooding (2024): 13 households applied for aid, $46K approved.
Is Lakefield at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (76%), and Lakefield’s rate for it is higher than 73% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lakefield.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lakefield’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.