Lodi Methodist Church · Photo: Doug Kerr from now in Binghamton, NY · CC BY-SA 2.0FEMA puts Lodi’s expected hazard damage per building below that of 86% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Lodi gets an A for hazard risk: lower expected damage per building than 86% of U.S. towns. Most of that expected damage is river and rain flooding (93%). Flood insurance has paid 6 claims here since 2015.
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 Lodi 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
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 Lodi’s grade
River and rain flooding is 93% of the building damage FEMA expects in Lodi, and Lodi’s rate of river and rain flooding damage is lower than 56% of U.S. census tracts.
A lower expected damage per building than 86% of U.S. towns (21,298).
All of Lodi’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $330K a year in losses across Lodi: $244K to buildings, the rest to people and crops.
Does Lodi flood? Rarely: 6 flood claims since 2015
Every paid claim on a federal flood insurance policy in Lodi, from FEMA’s records: 6.1 per 1,000 homes, more than 64% of the 13,809 U.S. towns with a flood insurance record.
Lodi isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Seneca County.2 federal disasters brought FEMA money to Lodi
Disasters that paid out in Lodi itself (aid to households or repair grants to the Town of Lodi), newest first, with that year’s flood claims.
- 2018Severe Storms and Flooding$3.0M to the Town of Lodi for repairs4 flood claims paid that year
- 2003Ice Storm$984 to the Town of Lodi for repairs
Seneca County has had 6 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; the 2001 World Trade Center declarations.
Old photos of Lodi after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lodi archive →Lodi and its neighbors
Lodi is 3rd of the 7 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 |
|---|---|---|---|
| Covert | A+less damage than 96% | river and rain flooding | 7 |
| Ovid | Aless damage than 86% | river and rain flooding | 15 |
| Lodi | Aless damage than 86% | river and rain flooding | 6 |
| Hector | A−less damage than 83% | river and rain flooding | 8 |
| Starkey | A−less damage than 76% | river and rain flooding | 11 |
| Torrey | Bless damage than 65% | river and rain flooding | 2 |
| Milo | Cmore damage than 67% | river and rain flooding | 11 |
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 Lodi 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.
- 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 Lodi
Is Lodi at risk for natural disasters?
On FEMA’s National Risk Index, Lodi has lower expected damage per building than 86% of U.S. towns: A for hazard risk. Most of the expected damage is river and rain flooding (93%). 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.
Does Lodi flood?
Flood insurance has paid 6 claims in Lodi since 2015, $232K in all, or 6.1 per 1,000 homes, more than 64% of U.S. towns with a flood insurance record. 1 properties have flooded more than once.
Is Lodi 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 Seneca County, 0.9% of all homes carry federal flood insurance.
How much is flood insurance in Lodi?
FEMA’s Community Rating System list shows no discount for Lodi’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 Lodi?
By FEMA money that reached Lodi, Severe Storms and Flooding (2018): $3.0M to the Town of Lodi for repairs.
Is Lodi at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (93%), and Lodi’s rate for it is lower than 56% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lodi.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lodi’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.