Photo: Nyttend · Public domainFEMA expects more hazard damage per building in Lakeview than in 83% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Lakeview gets a C− for hazard risk: higher expected damage per building than 83% of U.S. towns. Most of that expected damage is river and rain flooding (86%). Flood insurance has paid 34 claims here since 1980.
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 stands out about Lakeview’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Lakeview 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 Lakeview’s grade
River and rain flooding is 86% of the building damage FEMA expects in Lakeview, and Lakeview’s rate of river and rain flooding damage is higher than 89% of U.S. census tracts. Next is tornadoes at 6% (higher than 74% of U.S. census tracts).
C− higher expected damage per building than 83% of U.S. towns (21,298).
Lakeview’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $972K a year in losses across Lakeview: $902K to buildings, the rest to people and crops.
Does Lakeview flood? Sometimes: 34 flood claims since 1980
Every paid claim on a federal flood insurance policy in Lakeview, from FEMA’s records: 48.2 per 1,000 homes, more than 92% of the 13,809 U.S. towns with a flood insurance record.
- The Late winter storms5 claims · $81K
Lakeview isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Logan County.4 federal disasters brought FEMA money to Lakeview
Disasters that paid out in Lakeview itself (aid to households or repair grants to the Village of Lakeview), newest first, with that year’s flood claims.
- 2024Tornadoes443 households applied for aid$2.5M aid approved
- 2004Severe Winter Storms, Flooding, and Mudslides110 households applied for aid$47K aid approved
- 2004Severe Storms and Flooding13 households applied for aid$13K aid approved
- 2003Severe Storms and Flooding77 households applied for aid$201K aid approved9 flood claims paid that year
Logan 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 Lakeview after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lakeview archive →Get ready for what Lakeview 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 Lakeview
Is Lakeview at risk for natural disasters?
On FEMA’s National Risk Index, Lakeview has higher expected damage per building than 83% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (86%) and tornadoes (6%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Lakeview flood?
Flood insurance has paid 34 claims in Lakeview since 1980, $380K in all, or 48.2 per 1,000 homes, more than 92% of U.S. towns with a flood insurance record. 6 properties have flooded more than once. The most claims came from Late winter storms (5).
Is Lakeview 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 Logan County, 0.9% of all homes carry federal flood insurance.
How much is flood insurance in Lakeview?
FEMA’s Community Rating System list shows no discount for Lakeview’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 Lakeview?
By FEMA money that reached Lakeview, Tornadoes (2024): 443 households applied for aid, $2.5M approved. By flood claims, Late winter storms: 5 paid, $81K.
Is Lakeview at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (86%), and Lakeview’s rate for it is higher than 89% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lakeview.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lakeview’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.