Storms, floods and disasters in Arcadia Lakes
Arcadia Lakes isn’t graded for hazard risk: Arcadia Lakes has 901 residents; we grade towns of 1,000 or more. Flood insurance has paid 15 claims here since 2013.
What Arcadia Lakes 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
Hurricanes
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 Arcadia Lakes flood? Sometimes: 15 flood claims since 2013
Every paid claim on a federal flood insurance policy in Arcadia Lakes, from FEMA’s records.
- The October severe storms14 claims · $616K
Arcadia Lakes isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Richland County.The storms Arcadia Lakes remembers
None of the 18 disasters declared for Richland County shows FEMA aid or repair money reaching Arcadia Lakes itself in FEMA’s records, so these are its biggest flood-claim years.
- 201514 flood claims paidThe year of Severe Storms and Flooding, declared for Richland County
- 20131 flood claims paidNo declaration for the county that year
Richland County has had 18 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Arcadia Lakes after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Arcadia Lakes archive →Arcadia Lakes and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Dentsville | B+less damage than 69% | river and rain flooding | 8 |
| Forest Acres | C−more damage than 80% | river and rain flooding | 106 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Arcadia Lakes 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.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- 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 Arcadia Lakes
Does Arcadia Lakes flood?
Flood insurance has paid 15 claims in Arcadia Lakes since 2013, $621K in all. The most claims came from October severe storms (14).
Is Arcadia Lakes 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 Richland County, 69% of homes in mapped flood zones carry federal flood insurance, and 1.3% of all homes do.
How much is flood insurance in Arcadia Lakes?
FEMA’s Community Rating System list shows no discount for Arcadia Lakes’ 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 Arcadia Lakes?
By flood claims, October severe storms: 14 paid, $616K.
Storm stories
Memories, warnings and help from neighbors in Arcadia Lakes.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Arcadia Lakes’ 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.