Photo: Nyttend · Public domainStorms, floods and disasters in Lore City
Lore City isn’t graded for hazard risk: Lore City has 300 residents; we grade towns of 1,000 or more. Flood insurance has paid 8 claims here since 1994.
What Lore City 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.
Does Lore City flood? Rarely: 8 flood claims since 1994
Every paid claim on a federal flood insurance policy in Lore City, from FEMA’s records.
Lore City isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Guernsey County.4 federal disasters brought FEMA money to Lore City
Disasters that paid out in Lore City itself (aid to households or repair grants to the Village of Lore City), newest first, with that year’s flood claims.
- 2012Severe Storms and Straight-line Winds$4K to the Village of Lore City for repairs
- 2004Severe Winter Storms, Flooding, and Mudslides1 households applied for aid$933 aid approved
- 2004Severe Storms and Flooding10 households applied for aid$9K aid approved
- 2004Severe Storms and Flooding1 households applied for aid$1K aid approved
Guernsey County has had 13 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Lore City after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lore City archive →Get ready for what Lore City 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 Lore City
Does Lore City flood?
Flood insurance has paid 8 claims in Lore City since 1994, $119K in all. 1 properties have flooded more than once.
Is Lore City 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 Guernsey County, 12% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Lore City?
FEMA’s Community Rating System list shows no discount for Lore City’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 Lore City?
By FEMA money that reached Lore City, Severe Storms and Flooding (2004): 10 households applied for aid, $9K approved.
Storm stories
Memories, warnings and help from neighbors in Lore City.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lore City’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.