Photo: Famartin · CC BY-SA 4.0On FEMA’s figures, Apple Mountain Lake faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Apple Mountain Lake gets a B− for hazard risk: higher expected damage per building than 50% of U.S. towns. Most of that expected damage is river and rain flooding (89%). 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 Apple Mountain 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
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 Apple Mountain Lake’s grade
River and rain flooding is 89% of the building damage FEMA expects in Apple Mountain Lake, and Apple Mountain Lake’s rate of river and rain flooding damage is higher than 71% of U.S. census tracts.
B− higher expected damage per building than 50% of U.S. towns (21,298).
All of Apple Mountain Lake’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $311K a year in losses across Apple Mountain Lake: $240K to buildings, the rest to people and crops.
Does Apple Mountain Lake flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Apple Mountain Lake. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Apple Mountain 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: Warren County.The storms Apple Mountain Lake remembers
None of the 18 disasters declared for Warren County shows FEMA aid or repair money reaching Apple Mountain Lake itself in FEMA’s records, so these are its biggest flood-claim years.
Warren County has had 18 natural disasters declared by the President since 1953, most often winter storms, then severe storms. 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 Warren County, 2011–2011.
Apple Mountain Lake and its neighbors
Apple Mountain Lake has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Apple Mountain Lake | B−more damage than 50% | river and rain flooding | 0 |
| Skyland Estates | — | 620 residents; we grade 1,000+ | |
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 Apple Mountain 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.
- 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 Apple Mountain Lake
Is Apple Mountain Lake at risk for natural disasters?
On FEMA’s National Risk Index, Apple Mountain Lake has higher expected damage per building than 50% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (89%). 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.
Is Apple Mountain 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 Warren County, 17% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.
How much is flood insurance in Apple Mountain Lake?
FEMA’s Community Rating System list shows no discount for Apple Mountain Lake’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Apple Mountain Lake at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (89%), and Apple Mountain Lake’s rate for it is higher than 71% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Apple Mountain Lake.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Apple Mountain 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.