Photo: Daniel Case · CC BY-SA 3.0Storms, floods and disasters in Orange Lake
Orange Lake isn’t graded for hazard risk: Orange Lake is a Census area inside a town, graded with the town. Flood insurance has paid 5 claims here since 1979.
What Orange Lake 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
Hurricanes
Earthquakes
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.
Does Orange Lake flood? Rarely: 5 flood claims since 1979
Every paid claim on a federal flood insurance policy in Orange Lake, from FEMA’s records.
- The April 2007 nor’easter1 claim · $1K
- Hurricane Ida1 claim · $12K
Orange Lake isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Orange County.The storms Orange Lake remembers
None of the 25 disasters declared for Orange County shows FEMA aid or repair money reaching Orange Lake itself in FEMA’s records, so these are its biggest flood-claim years.
- 19791 flood claims paidNo declaration for the county that year
- 19801 flood claims paidNo declaration for the county that year
- 20051 flood claims paidThe year of Severe Storms and Flooding, declared for Orange County
Orange County has had 25 natural disasters declared by the President since 1953, most often severe storms, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees; the 2001 World Trade Center declarations.
Also 2 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Orange County, 1999–2024.
Old photos of Orange Lake after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Orange Lake archive →Orange Lake and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Gardnertown | — | a Census area inside a town; graded with the town | |
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 Orange Lake 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.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Orange Lake
Does Orange Lake flood?
Flood insurance has paid 5 claims in Orange Lake since 1979, $18K in all. The most claims came from April 2007 Nor'easter (1).
Is Orange Lake 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 Orange County, 31% of homes in mapped flood zones carry federal flood insurance, and 0.9% of all homes do.
How much is flood insurance in Orange Lake?
FEMA’s Community Rating System list shows no discount for Orange Lake’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 Orange Lake?
By flood claims, April 2007 Nor'easter: 1 paid, $1K.
Storm stories
Memories, warnings and help from neighbors in Orange Lake.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Orange Lake’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.