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C+Hazard risk
Natural hazards in Lake Mohawk · FEMA

FEMA expects about as much hazard damage per building in Lake Mohawk as in the typical U.S. town, mostly from river and rain flooding

On FEMA’s National Risk Index, Lake Mohawk gets a C+ for hazard risk: higher expected damage per building than 59% of U.S. towns. Most of that expected damage is river and rain flooding (90%). Flood insurance has paid 18 claims here since 2003.

River and rain flooding 90%Tornadoes 4%Hail 4%

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

more than 59%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
C+
in Ohio · higher than 59% of U.S. towns
Main hazard
River and rain flooding
90% of expected building damage
Flood claims
18
paid since 2003 · $223K
Flood claims per home
21 per 1,000
more than 84% of U.S. towns
By hazard

What Lake Mohawk 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

90%of expected building damage
Above average · higher than 78% of U.S. census tracts
Recorded about 2 times a year in the area
Smaller shares here
 Tornadoes Hail Strong wind Earthquakes Ice storms Hurricanes Winter storms Wildfire Cold waves Heat waves Landslides Lightning
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Lake Mohawk’s grade

River and rain flooding is 90% of the building damage FEMA expects in Lake Mohawk, and Lake Mohawk’s rate of river and rain flooding damage is higher than 78% of U.S. census tracts.

Where Lake Mohawk sits
Lake Mohawk
Least damageMiddleMost damage

C+ higher expected damage per building than 59% of U.S. towns (21,298).

All of Lake Mohawk’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding90%Tornadoes4%Hail4%Everything else3%

In dollars, FEMA expects about $507K a year in losses across Lake Mohawk: $444K to buildings, the rest to people and crops.

Shared tract.All of Lake Mohawk’s 1,601 residents (2020 census) live in one census tract, which it shares with Malvern village (1,110 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Lake Mohawk flood? Sometimes: 18 flood claims since 2003

Every paid claim on a federal flood insurance policy in Lake Mohawk, from FEMA’s records: 20.5 per 1,000 homes, more than 84% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
2003: 1 claim2004: 13 claims2005: 3 claims2006: 0 claims2007: 0 claims2008: 1 claim2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims200320042005
20032026
18
paid claims since 2003
$223K
paid to owners
0
homes flooded more than once
$12K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Lake Mohawk isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Carroll County.
Disasters

The storms Lake Mohawk remembers

None of the 8 disasters declared for Carroll County shows FEMA aid or repair money reaching Lake Mohawk itself in FEMA’s records, so these are its biggest flood-claim years.

  1. 200413 flood claims paidThe year of Severe Winter Storms, Flooding, and Mudslides, declared for Carroll County
  2. 20053 flood claims paidNo declaration for the county that year
  3. 20031 flood claims paidThe year of Tornadoes, Flooding, Severe Storms, and High Winds, declared for Carroll County
Disasters declared, by decade
Paid out in Lake MohawkCarroll County only

Carroll County has had 8 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

Old photos of Lake Mohawk after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Lake Mohawk archive →
Be ready

Get ready for what Lake Mohawk faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Lake Mohawk

Is Lake Mohawk at risk for natural disasters?

On FEMA’s National Risk Index, Lake Mohawk has higher expected damage per building than 59% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (90%). 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 Lake Mohawk flood?

Flood insurance has paid 18 claims in Lake Mohawk since 2003, $223K in all, or 20.5 per 1,000 homes, more than 84% of U.S. towns with a flood insurance record.

Is Lake Mohawk 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 Carroll County, 13% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.

How much is flood insurance in Lake Mohawk?

FEMA’s Community Rating System list shows no discount for Lake Mohawk’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

Is Lake Mohawk at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (90%), and Lake Mohawk’s rate for it is higher than 78% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Lake Mohawk.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lake Mohawk’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.