Property Atlas

County hazard profile

Lake, CA

California · pop. 68,074 · FIPS 06033

Relatively Moderate
FEMA risk rating · RATING
Wildfire
dominant hazard
$101M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

lower than most counties (31st percentile)

national median $15M/yr Lake $101M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively Moderate 93/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively High 70.61/100
national median ~50 near the national middle (71st percentile)
Community resilienceRelatively Low 24.46/100
national median ~50 among the lowest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Lake

The National Flood Insurance Program has paid 1,432 flood-insurance claims totaling $14.2M in Lake since 1978. The costliest year was 1998 ($4.9M paid).

Flood-insurance dollars paid by year of loss

1978: $23,668 paid 1979: $0 paid 1980: $11,076 paid 1982: $22,429 paid 1983: $1,039,129 paid 1986: $1,766,444 paid 1988: $2,031 paid 1991: $1,072 paid 1992: $5,967 paid 1993: $67,786 paid 1995: $2,746,880 paid 1996: $79,752 paid 1997: $168,878 paid 1998: $4,881,015 paid 1999: $1,979 paid 2000: $0 paid 2002: $55,650 paid 2004: $106,097 paid 2005: $315,852 paid 2006: $79,709 paid 2007: $0 paid 2008: $23,591 paid 2010: $18,144 paid 2011: $42,535 paid 2012: $29,327 paid 2014: $165,355 paid 2015: $0 paid 2016: $38,829 paid 2017: $1,826,462 paid 2019: $652,282 paid 2020: $0 paid 2021: $0 paid 2022: $0 paid 2023: $17,876 paid 2024: $32,471 paid 2025: $5,828 paid 1998 · $4.9M 1978 2025
$14.2M
total paid
$9,936
average claim
$209K
largest single claim
85%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Lake, CA and where it ranks among U.S. counties. It is not a verdict on whether Lake is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.