Photo: Roseohioresident · CC BY-SA 4.0On FEMA’s figures, Lakemore faces less hazard damage per building than 88% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Lakemore gets an A for hazard risk: lower expected damage per building than 88% of U.S. towns, #306 of 993 in Ohio. Most of that expected damage is river and rain flooding (72%), then hail (16%). 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 Lakemore 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
Hail
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 Lakemore’s grade
River and rain flooding is 72% of the building damage FEMA expects in Lakemore, and Lakemore’s rate of river and rain flooding damage is lower than 75% of U.S. census tracts. Hail adds 16%, at a rate in the top 9% of U.S. census tracts.
A #306 of 993 in Ohio; lower expected damage per building than 88% of U.S. towns (21,298).
Lakemore’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
The typical Ohio town has lower expected damage than 79% of U.S. towns; within the state, Lakemore has less expected damage per building than 69% of Ohio towns.
In dollars, FEMA expects about $484K a year in losses across Lakemore: $386K to buildings, the rest to people and crops.
Does Lakemore flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Lakemore. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Lakemore isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Summit County.1 federal disaster brought FEMA money to Lakemore
Disasters that paid out in Lakemore itself (aid to households or repair grants to the Village of Lakemore), newest first, with that year’s flood claims.
- 2004Severe Storms and Flooding2 households applied for aid$7K aid approved
Summit County has had 10 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.
Old photos of Lakemore after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lakemore archive →Lakemore and its neighbors
Lakemore is 2nd of the 2 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 |
|---|---|---|---|
| Sawyerwood | Aless damage than 88% | river and rain flooding | — |
| Lakemore | Aless damage than 88% | river and rain flooding | 0 |
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 Lakemore 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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Lakemore
Is Lakemore at risk for natural disasters?
On FEMA’s National Risk Index, Lakemore has lower expected damage per building than 88% of U.S. towns: A for hazard risk, #306 of 993 in Ohio. Most of the expected damage is river and rain flooding (72%) and hail (16%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Lakemore 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 Summit County, 29% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Lakemore?
FEMA’s Community Rating System list shows no discount for Lakemore’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 Lakemore?
By FEMA money that reached Lakemore, Severe Storms and Flooding (2004): 2 households applied for aid, $7K approved.
Is Lakemore at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (72%), and Lakemore’s rate for it is lower than 75% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lakemore.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lakemore’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.