Property Atlas

County hazard profile

Lake, IN

Indiana · pop. 498,479 · FIPS 18089

Relatively High
FEMA risk rating · RATING
Cold Wave
dominant hazard
$191M
modeled expected annual loss/yr

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

near the national middle (59th percentile)

national median $15M/yr Lake $191M

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 High 95.93/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Moderate 48.73/100
national median ~50 near the national middle (49th percentile)
Community resilienceRelatively High 73.31/100
national median ~50 near the national middle (73rd percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Lake

The National Flood Insurance Program has paid 2,975 flood-insurance claims totaling $49.4M in Lake since 1978. The costliest year was 2008 ($33.1M paid).

Flood-insurance dollars paid by year of loss

1978: $25,788 paid 1979: $72,086 paid 1980: $26,678 paid 1981: $634,351 paid 1982: $194,173 paid 1983: $160,499 paid 1984: $0 paid 1985: $44,390 paid 1986: $0 paid 1987: $11,745 paid 1988: $0 paid 1989: $116,242 paid 1990: $4,361,808 paid 1991: $0 paid 1992: $0 paid 1993: $23,621 paid 1994: $0 paid 1995: $15,490 paid 1996: $120,718 paid 1997: $24,276 paid 1998: $28,482 paid 1999: $6,222 paid 2000: $17,590 paid 2001: $3,219 paid 2002: $3,368 paid 2003: $23,369 paid 2004: $9,422 paid 2005: $4,710 paid 2006: $6,882,619 paid 2007: $1,824,394 paid 2008: $33,093,440 paid 2009: $20,554 paid 2010: $38,486 paid 2011: $28,926 paid 2012: $3,544 paid 2013: $71,951 paid 2014: $254,583 paid 2015: $43,399 paid 2016: $1,505 paid 2017: $0 paid 2018: $721,870 paid 2019: $338,830 paid 2020: $66,560 paid 2021: $1,822 paid 2022: $2,808 paid 2023: $48 paid 2024: $4,758 paid 2025: $24,027 paid 2008 · $33.1M 1978 2025
$49.4M
total paid
$16,589
average claim
$1.0M
largest single claim
81%
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, IN 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.