FEMA puts Lamartine’s expected hazard damage per building below that of 87% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Lamartine gets an A for hazard risk: lower expected damage per building than 87% of U.S. towns. Most of that expected damage is river and rain flooding (70%), then tornadoes (17%). 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 Lamartine 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
Tornadoes
Hail
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 Lamartine’s grade
River and rain flooding is 70% of the building damage FEMA expects in Lamartine, and Lamartine’s rate of river and rain flooding damage is lower than 76% of U.S. census tracts. Next is tornadoes at 17% (higher than 80% of U.S. census tracts).
A lower expected damage per building than 87% of U.S. towns (21,298).
All of Lamartine’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $869K a year in losses across Lamartine: $558K to buildings, the rest to people and crops.
Does Lamartine flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Lamartine. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Lamartine isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Fond du Lac County.2 federal disasters brought FEMA money to Lamartine
Disasters that paid out in Lamartine itself (aid to households or repair grants to the Town of Lamartine), newest first, with that year’s flood claims.
- 2008Severe Storms, Tornadoes, and Flooding$19K to the Town of Lamartine for repairs
- 2004Severe Storms and Flooding$16K to the Town of Lamartine for repairs
Fond du Lac County has had 9 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 Lamartine after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lamartine archive →Lamartine and its neighbors
Lamartine is 2nd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Eldorado | Aless damage than 87% | river and rain flooding | — |
| Lamartine | Aless damage than 87% | river and rain flooding | 0 |
| Fond du Lac | A−less damage than 83% | river and rain flooding | 4 |
| Oakfield | — | 675 residents; we grade 1,000+ | |
| Springvale | — | 824 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 Lamartine 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.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Lamartine
Is Lamartine at risk for natural disasters?
On FEMA’s National Risk Index, Lamartine has lower expected damage per building than 87% of U.S. towns: A for hazard risk. Most of the expected damage is river and rain flooding (70%) and tornadoes (17%). 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 Lamartine 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 Fond du Lac County, 18% of homes in mapped flood zones carry federal flood insurance, and 1.1% of all homes do.
How much is flood insurance in Lamartine?
FEMA’s Community Rating System list shows no discount for Lamartine’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 Lamartine?
By FEMA money that reached Lamartine, Severe Storms, Tornadoes, and Flooding (2008): $19K to the Town of Lamartine for repairs.
Is Lamartine at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (70%), and Lamartine’s rate for it is lower than 76% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lamartine.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lamartine’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.