FEMA expects more hazard damage per building in Lincoln Beach than in 92% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Lincoln Beach gets a D for hazard risk: higher expected damage per building than 92% of U.S. towns. Most of that expected damage is river and rain flooding (52%), then earthquakes (35%). 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 Lincoln Beach 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
Tsunamis
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 Lincoln Beach’s grade
River and rain flooding is 52% of the building damage FEMA expects in Lincoln Beach, and Lincoln Beach’s rate of river and rain flooding damage is higher than 85% of U.S. census tracts. Earthquakes add 35%, at a rate in the top 9% of U.S. census tracts.
D higher expected damage per building than 92% of U.S. towns (21,298).
Lincoln Beach’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $4.4M a year in losses across Lincoln Beach: $2.7M to buildings, the rest to people and crops.
Does Lincoln Beach flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Lincoln Beach. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Lincoln Beach isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Lincoln County.1 federal disaster brought FEMA money to Lincoln Beach
Disasters that paid out in Lincoln Beach itself (aid to households or repair grants to Lincoln Beach), newest first, with that year’s flood claims.
- 2020Wildfires and Straight-line Winds3 households applied for aid$1K aid approved
Lincoln County has had 19 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 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Lincoln County, 2020–2020.
Old photos of Lincoln Beach after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lincoln Beach archive →Get ready for what Lincoln Beach 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.
- Strong shaking or a sudden drop in the sea means head for high ground now.
- Learn the tsunami route signs near the shore.
- Stay away until officials say it’s safe.
- 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 Lincoln Beach
Is Lincoln Beach at risk for natural disasters?
On FEMA’s National Risk Index, Lincoln Beach has higher expected damage per building than 92% of U.S. towns: D for hazard risk. Most of the expected damage is river and rain flooding (52%) and earthquakes (35%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Lincoln Beach 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 Lincoln County, 27% of homes in mapped flood zones carry federal flood insurance, and 4.0% of all homes do.
How much is flood insurance in Lincoln Beach?
FEMA’s Community Rating System list shows no discount for Lincoln Beach’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 Lincoln Beach?
By FEMA money that reached Lincoln Beach, Wildfires and Straight-line Winds (2020): 3 households applied for aid, $1K approved.
Is Lincoln Beach at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (52%), and Lincoln Beach’s rate for it is higher than 85% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lincoln Beach.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lincoln Beach’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.