Photo: Royalbroil · CC BY-SA 4.0Storms, floods and disasters in Lodi
Lodi isn’t graded for hazard risk: FEMA’s tract figures aren’t matched to Lodi yet. Flood insurance has paid 8 claims here since 1986.
What Lodi 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
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.
Does Lodi flood? Rarely: 8 flood claims since 1986
Every paid claim on a federal flood insurance policy in Lodi, from FEMA’s records.
- The March 2019 Midwest Flooding4 claims · $96K
- The Storm1 claim · $1K
Lodi isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Columbia County.5 federal disasters brought FEMA money to Lodi
Disasters that paid out in Lodi itself (aid to households or repair grants to the Town of Lodi), newest first, with that year’s flood claims.
- 2008Severe Storms, Tornadoes, and Flooding46 households applied for aid$51K aid approved$49K to the Town of Lodi for repairs1 flood claim paid that year
- 2007Severe Storms and Flooding18 households applied for aid$12K aid approved2 flood claims paid that year
- 2004Severe Storms and Flooding4 households applied for aid$1K aid approved
- 2000Snow$5K to the Town of Lodi for repairs
- 2000Severe Storms, Tornadoes, and Flooding$3K to the Town of Lodi for repairs
Columbia County has had 8 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Lodi after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lodi archive →Lodi 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 |
|---|---|---|---|
| West Point | Dmore damage than 92% | river and rain flooding | 9 |
| Dekorra | Dmore damage than 93% | river and rain flooding | 25 |
| Arlington | — | 807 residents; we grade 1,000+ | |
| Dane | — | not graded yet | |
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 Lodi 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.
- 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 Lodi
Does Lodi flood?
Flood insurance has paid 8 claims in Lodi since 1986, $106K in all. The most claims came from March 2019 Midwest Flooding (4).
Is Lodi 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 Columbia County, 23% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Lodi?
FEMA’s Community Rating System list shows no discount for Lodi’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 Lodi?
By FEMA money that reached Lodi, Severe Storms, Tornadoes, and Flooding (2008): 46 households applied for aid, $51K approved, and $49K to the Town of Lodi for repairs. By flood claims, March 2019 Midwest Flooding: 4 paid, $96K.
Storm stories
Memories, warnings and help from neighbors in Lodi.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lodi’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.