Photo: Orygun · CC BY-SA 4.0On FEMA’s figures, Lakeview faces less hazard damage per building than 76% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Lakeview gets an A− for hazard risk: lower expected damage per building than 76% of U.S. towns. Most of that expected damage is river and rain flooding (62%), then earthquakes (22%). Flood insurance has paid 4 claims here since 1981.
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 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
Earthquakes
Wildfire
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 62% of the building damage FEMA expects in Lakeview, and Lakeview’s rate of river and rain flooding damage is lower than 74% of U.S. census tracts. Wildfire adds 14%, at a rate in the top 5% of U.S. census tracts.
A− lower expected damage per building than 76% of U.S. towns (21,298).
All of Lakeview’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $923K a year in losses across Lakeview: $772K to buildings, the rest to people and crops.
Does Lakeview flood? Rarely: 4 flood claims since 1981
Every paid claim on a federal flood insurance policy in Lakeview, from FEMA’s records: 2.5 per 1,000 homes, fewer than 56% of the 13,809 U.S. towns with a flood insurance record.
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: Lake County.1 federal disaster brought FEMA money to Lakeview
Disasters that paid out in Lakeview itself (aid to households or repair grants to the Town of Lakeview), newest first, with that year’s flood claims.
- 2003Severe Winter Storms$15K to the Town of Lakeview for repairs
Lake County has had 5 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.
Also 4 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Lake County, 2002–2021.
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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- 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 lower expected damage per building than 76% of U.S. towns: A− for hazard risk. Most of the expected damage is river and rain flooding (62%) and earthquakes (22%). 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 Lakeview flood?
Flood insurance has paid 4 claims in Lakeview since 1981, $14K in all, or 2.5 per 1,000 homes, fewer than 56% of U.S. towns with a flood insurance record.
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 Lake County, 0.6% 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, Severe Winter Storms (2003): $15K to the Town of Lakeview for repairs.
Is Lakeview at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (62%), and Lakeview’s rate for it is lower than 74% 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.