Storms, floods and disasters in Treasure Lake
Treasure Lake isn’t graded for hazard risk: Treasure Lake is a Census area inside a town, graded with the town. Flood insurance has paid 8 claims here since 2004.
What Treasure Lake 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
Strong wind
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 Treasure Lake flood? Rarely: 8 flood claims since 2004
Every paid claim on a federal flood insurance policy in Treasure Lake, from FEMA’s records.
- Tropical Storm Ivan1 claim · $22K
Treasure Lake isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Clearfield County.The storms Treasure Lake remembers
None of the 14 disasters declared for Clearfield County shows FEMA aid or repair money reaching Treasure Lake itself in FEMA’s records, so these are its biggest flood-claim years.
- 20137 flood claims paidThe year of Severe Storms, Tornadoes, and Flooding, declared for Clearfield County
- 20041 flood claims paidThe year of Tropical Depression Ivan, declared for Clearfield County
Clearfield County has had 14 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 Treasure Lake after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Treasure Lake archive →Get ready for what Treasure Lake 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 Treasure Lake
Does Treasure Lake flood?
Flood insurance has paid 8 claims in Treasure Lake since 2004, $344K in all. The most claims came from Tropical Storm Ivan (1).
Is Treasure Lake 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 Clearfield County, 16% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Treasure Lake?
FEMA’s Community Rating System list shows no discount for Treasure Lake’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 Treasure Lake?
By flood claims, Tropical Storm Ivan: 1 paid, $22K.
Storm stories
Memories, warnings and help from neighbors in Treasure Lake.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Treasure Lake’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.