Property Atlas

County hazard profile

Lake, OH

Ohio · pop. 232,492 · FIPS 39085

Relatively Low
FEMA risk rating · RATING
Winter Weather
dominant hazard
$42M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Lake $42M

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 Low 77.35/100
national median ~50 higher than 77% of counties
Social vulnerabilityRelatively Low 27.67/100
national median ~50 lower than most counties (28th percentile)
Community resilienceVery High 99.52/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Lake

The National Flood Insurance Program has paid 882 flood-insurance claims totaling $12.7M in Lake since 1978. The costliest year was 2006 ($5.5M paid).

Flood-insurance dollars paid by year of loss

1978: $946,225 paid 1979: $50,872 paid 1980: $44,944 paid 1981: $259,731 paid 1982: $21,801 paid 1983: $11,000 paid 1984: $18,068 paid 1985: $4,414 paid 1986: $82,984 paid 1987: $142,601 paid 1988: $130,280 paid 1989: $852,259 paid 1990: $102,271 paid 1991: $49,965 paid 1992: $0 paid 1993: $169,750 paid 1994: $1,066,581 paid 1995: $0 paid 1996: $37,218 paid 1997: $25,576 paid 1998: $189 paid 1999: $2,259 paid 2000: $0 paid 2002: $788 paid 2003: $0 paid 2004: $7,620 paid 2005: $40,019 paid 2006: $5,504,160 paid 2007: $38,624 paid 2008: $122,174 paid 2009: $17,525 paid 2010: $0 paid 2011: $372,669 paid 2012: $12,448 paid 2013: $1,157,225 paid 2014: $91,137 paid 2015: $571,030 paid 2016: $0 paid 2017: $52,572 paid 2018: $60,237 paid 2019: $142,203 paid 2020: $5,615 paid 2021: $8,887 paid 2022: $211,056 paid 2023: $40,732 paid 2025: $160,279 paid 2026: $100,785 paid 2006 · $5.5M 1978 2026
$12.7M
total paid
$14,441
average claim
$274K
largest single claim
62%
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, OH 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.