FEMA Records
22
Above median
Tennessee · FEMA + NOAA + National Risk Index
Lake County, TN
22 FEMA disaster declarations (1973-2026), with a FEMA National Risk Index rating of Relatively Low. Most common hazard: Severe Storm.
- 22
- FEMA declarations
- 16
- Major disasters
- 48
- NRI risk · Relatively Low
- Severe Storm
- Top hazard
The verdict
Two federal records point in the busier direction for Lake County. Its 22 FEMA declarations are 3% above the Tennessee county mean and exceed the count for 57% of the 3,266 counties in this registry. Separately, FEMA's National Risk Index places it safer than 48%, based on modeled expected annual loss, social vulnerability, and community resilience.
- Safer than 48%
- of U.S. counties for FEMA National Risk Index score
- Relatively Low
- FEMA National Risk Index rating
- 22
- FEMA declarations vs 21 national county avg
- 29
- NFIP flood insurance claims filed
FEMA's National Risk Index and its declaration registry are separate measures. This county's registry includes Major Disaster (DR) and Emergency (EM) records; an EM authorizes a narrower set of federal assistance than a DR.
FEMA OpenFEMA declaration desk
County FIPS 47095 · Lake County 22 declarations · rank 1288/3,266
DECL-HEAVY · MAJOR-MID · RANK-LOWER · PHOTO-FINISH · NRI-LOW · ACT-HIGH · TYPE-LEAD · VS-ST-ABOVE
- DECL-HEAVY 22
- MAJOR-MID 73%
- RANK-LOWER #1,288
- PHOTO-FINISH Hardy
- NRI-LOW 48
- ACT-HIGH High
- TYPE-LEAD Severe Storm
- VS-ST-ABOVE +3%
Nearest declaration peer: Hardy, WV (0 declaration gap)
FEMA Disaster Declarations Summaries v2 filing stamps for this county register. Read with this county → · Tennessee state profile
Lake County in the declaration-count neighbourhood
FEMA declaration records among Lake County and nearest peers by total count
- Los Angeles · largest
Los Angeles · largest
88 declarations
- Hardy · near 22
Hardy · near
22 declarations
- Lake · this county 22
Lake · this county
22 declarations
- Prairie · near 22
Prairie · near
22 declarations
- St. Francis · near 22
St. Francis · near
22 declarations
- Ujelang · smallest 1
Ujelang · smallest
1 declarations
What this shows Lake County carries 22 FEMA declaration records, ranked 1288 of 3,266 counties in this registry.
How Lake County's FEMA declaration count compares nationally
Lake County vs. all counties in this dataset
FEMA disaster declarations, all-time · Lake County
22 Top 43% higher than 57% of 3,266 counties
Each bar is a band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FEMA Disaster Declarations Summaries v2 · 2026-08-25
Lake County's FEMA Risk Index score
What does Lake County's hazard record show?
FEMA National Risk Index
FEMA's data shows an elevated National Risk Index composite of 47.8/100 for this county (Relatively Low rating). Expected Annual Loss comes in at Very Low (roughly $9.6M in annualized losses). Social vulnerability (Very High) and community resilience (Relatively Moderate) both factor into how that raw exposure plays out on the ground. Among the 18 modeled hazards, Earthquake carries the county's highest rating, a mid-range Relatively Moderate. FEMA's modeled frequency puts that hazard at roughly once every 59 years here.
Reading the federal records together
This county has a small entry in FEMA's NFIP paid-claims table: 29 claims and $371.0K paid in total. PlainHazard calls 1-49 claims a light registry record, a label for this dataset rather than a finding that flood exposure is low. A short claims history can also reflect insurance take-up, the period covered, or losses that were never insured.
The declaration register points in the busier direction. Lake County's 22 federal records stand 3% above the Tennessee county mean of 21.4. That comparison describes how often federal action was recorded, including any Major Disaster, Emergency, and Fire Management entries shown on this page; it does not convert the count into future probability.
65 /100
Historical Activity Index
High historical activity
Lake County, TN · PlainHazard-derived composite from federal records
This 0–100 index is an explicit PlainHazard composite from FEMA declaration history only on the county surface (this DB has no county-level NOAA damage row) . It is not FEMA's National Risk Index, not a forecast, and not a safety, insurance, or preparedness rating. Open the calculator · Methodology
FEMA Declarations (1953–present) High
16/30
22 OpenFEMA declarations, full ingest window (1.1x national county average)
County Disaster Density High
13/25
22 declarations (1.0x state county average of 21)
Major Disaster Share High
18/25
16 of 22 declarations are major disasters (73%)
Hazard Diversity Very High
18/20
7 different disaster types declared in Lake County
FEMA NRI 8-hazard radar - Lake County
How to read this radar
Each axis: NRI risk rating (Very Low-Very High) on a 0-100 scale. Rounder = broad exposure; spiky = one or two hazards dominate.
Major Disaster share
73%
Major-heavy
NRI risk score
48
Relatively Low
Source: FEMA National Risk Index Per-county per-hazard ratings, December 2025 release
How often does each hazard strike Lake County?
FEMA's National Risk Index models a historical event count and an annualized frequency for each hazard type. Most hazards are expressed as modeled occurrences per year; FEMA expresses drought and heat-wave frequency as event-days per year. These modeled frequencies are not forecasts.
| Hazard | NRI Risk Rating | Recurrence |
|---|---|---|
| Earthquake | Relatively Moderate | roughly once every 59 years |
| Drought | Relatively Moderate | 13 modeled event-days per year |
| Heat Wave | Relatively Low | 16 modeled event-days per year |
| Ice Storm | Relatively Moderate | an average of 1.2 times per year |
| Cold Wave | Relatively Low | an average of 2.5 times per year |
| Tornado | Relatively Low | roughly once every 6 years |
| Winter Weather | Relatively Low | an average of 7.3 times per year |
| Lightning | Relatively Low | an average of 58 times per year |
| Strong Wind | Relatively Low | an average of 2.5 times per year |
| Hurricane | Very Low | roughly once every 84 years |
| Hail | Very Low | an average of 3.2 times per year |
| Landslide | Very Low | roughly once every 5 years |
| Riverine Flooding | Very Low | roughly once every 2 years |
| Wildfire | Very Low | roughly once every 9,768 years |
Source: FEMA National Risk Index Modeled annualized frequency; drought and heat wave use event-days/year, December 2025 release
Disaster Types
Severe Storm 8
Tornado 4
Flood 4
Winter Storm 2
Biological 2
Severe Ice Storm 1
Hurricane 1
What Severe Storm declarations mean here
Severe Storm is the most frequent declaration type on Lake County's record, 36% of its declarations. In FEMA's vocabulary this covers convective weather: thunderstorm straight-line winds, large hail, and the multi-day outbreaks that often carry embedded tornadoes. Activity is heaviest in spring and summer, though the season varies by region.
These events behave differently from a hurricane on paper. Damage tends to be distributed along a storm track rather than concentrated on a coastline, and a declaration typically follows an outbreak that crossed several counties over a few days, not a single point of impact. Because the qualifying threshold is the cost of uninsured public and individual losses rather than storm intensity, two similar storms can produce a declaration in one year and none in another.
Declaration counts describe past federal action. They are a record of what was declared, not a forecast of future hazard probability.
Declaration Types
What DR / EM / FM mean
FEMA categorizes declarations as Major Disasters (DR), Emergencies (EM), or Fire Management Assistance (FM).
Major Disaster - 16 72.7%
of all 22 declarations
Emergency - 6 27.3%
of all 22 declarations
FEMA Declarations Timeline
| Year | Declarations | |
|---|---|---|
| 2026 | 2 | |
| 2025 | 1 | |
| 2023 | 1 | |
| 2022 | 2 | |
| 2020 | 3 | |
| 2019 | 1 | |
| 2011 | 4 | |
| 2009 | 1 | |
| 2005 | 1 | |
| 2003 | 1 | |
| 2000 | 1 | |
| 1997 | 1 | |
| 1995 | 1 | |
| 1975 | 1 | |
| 1973 | 1 | |
Disaster Declarations
How the 22 FEMA declarations break into federal action codes (DR / EM / FM). Same DISTINCT grain as the table below.
Download these 22 declarations as CSV . FEMA source data is public domain; our derived presentation is CC0.
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 4898 | SEVERE WINTER STORM | DR | Winter Storm | 2026-02-06 |
| 3635 | SEVERE WINTER STORM | EM | Winter Storm | 2026-01-24 |
| 3625 | SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING | EM | Severe Storm | 2025-04-02 |
| 4712 | SEVERE STORMS, STRAIGHT-LINE WINDS, AND TORNADO | DR | Severe Storm | 2023-05-17 |
| 4637 | SEVERE STORMS, STRAIGHT-LINE WINDS, AND TORNADOES | DR | Tornado | 2022-01-14 |
| 3576 | SEVERE STORMS, STRAIGHT-LINE WINDS, AND TORNADOES | EM | Tornado | 2021-12-13 |
| 4550 | SEVERE STORMS, STRAIGHT-LINE WINDS, AND FLOODING | DR | Severe Storm | 2020-07-09 |
| 4514 | COVID-19 PANDEMIC | DR | Biological | 2020-04-02 |
| 3473 | COVID-19 | EM | Biological | 2020-03-13 |
| 4427 | SEVERE STORMS, FLOODING, LANDSLIDES, AND MUDSLIDES | DR | Flood | 2019-04-17 |
| 1979 | SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING | DR | Severe Storm | 2011-05-09 |
| 1978 | SEVERE STORMS, FLOODING, TORNADOES, AND STRAIGHT-LINE WINDS | DR | Severe Storm | 2011-05-09 |
| 3321 | FLOODING | EM | Flood | 2011-05-04 |
| 1974 | SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS, AND ASSOCIATED FLOODING | DR | Severe Storm | 2011-05-01 |
| 1821 | SEVERE WINTER STORM AND FLOODING | DR | Severe Ice Storm | 2009-02-17 |
| 3217 | HURRICANE KATRINA EVACUATION | EM | Hurricane | 2005-09-05 |
| 1464 | SEVERE STORMS, TORNADOES, AND FLOODING | DR | Severe Storm | 2003-05-08 |
| 1331 | SEVERE STORMS, TORNADOES, AND FLOODING | DR | Severe Storm | 2000-06-12 |
| 1167 | HEAVY RAINS, TORNADOES, FLOODING, HAIL, HIGH WINDS | DR | Tornado | 1997-03-07 |
| 1057 | TORNADOES | DR | Tornado | 1995-06-14 |
Show 2 earlier declaration records
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 459 | SEVERE STORMS & FLOODING | DR | Flood | 1975-03-22 |
| 382 | SEVERE STORMS & FLOODING | DR | Flood | 1973-05-11 |
Storm Events in Tennessee
Statewide NOAA context only. PlainHazard does not currently attribute these state totals to Lake County.
| Storm Type | Events | Fatalities | Injuries | Property Damage |
|---|---|---|---|---|
| Thunderstorm Wind | 6,558 | 22 | 58 | $107.0M |
| Hail | 1,690 | 0 | 0 | $545.5K |
| Heat | 1,343 | 9 | 15 | $0 |
| Flash Flood | 1,264 | 55 | 3 | $334.4M |
| Winter Weather | 1,088 | 5 | 0 | $261.0K |
Source: NOAA Storm Events Database State-level aggregated data, 2015-2025
NFIP Flood Insurance Claims
Total Claims
29
Total Paid
$371.0K
Avg Per Claim
$12.8K
Source: FEMA National Flood Insurance Program (NFIP) OpenFEMA Claims Data
FEMA National Risk Index
Overall Risk
Relatively Low
Score: 47.8/100
Expected Annual Loss
Very Low
$9.6M/year
Social Vulnerability
Very High
Community Resilience
Relatively Moderate
Hazard Risk Breakdown
Earthquake Relatively Moderate
Drought Relatively Moderate
Heat Wave Relatively Low
Ice Storm Relatively Moderate
Cold Wave Relatively Low
Tornado Relatively Low
Winter Weather Relatively Low
Lightning Relatively Low
Strong Wind Relatively Low
Hurricane Very Low
Hail Very Low
Landslide Very Low
Riverine Flooding Very Low
Wildfire Very Low
Source: FEMA National Risk Index (NRI) Ratings reflect relative scores among all US counties. Data: hazards.fema.gov/nri
The model's sharpest exposure here: Earthquake
Earthquake is the model's clearest example of a hazard with no season and no warning. Its expected loss is driven less by how often shaking occurs than by how much of the building stock predates modern seismic codes, so exposure can be high in places where nothing has happened for a long time.
Worth noting for Lake County: the model and the federal record do NOT point at the same hazard. Earthquake carries the highest modeled rating (Relatively Moderate), while the county's declaration history is led by Severe Storm. That is not a contradiction, the two measure genuinely different things. Declarations record federal ACTION, which requires damage costly enough to exceed state and local capacity; the Risk Index models EXPECTED annual loss across all 18 hazards whether or not any declaration ever followed. A hazard can be the county's largest modeled exposure and never once have driven a declaration.
National Risk Index ratings are modeled estimates of expected annual loss, not predictions of what will happen in any given year.
Data-matched county comparisons
Lake County's closest FEMA peer: Alexandria (city), VA
Comparisons use published FEMA declaration fields plus the National Risk Index composite for Lake County. Record similarity, not a safety rating.
Closest declaration profiles
Lake County shows 22 FEMA declarations, led by Severe Storm.
Similar Major-disaster share
Lake County: 16 of 22 of its declarations are Major.
Similar modeled NRI score
Lake County: NRI composite 47.8 (Relatively Low).
How these peers are chosen
Cohort: Published U.S. county equivalents outside the source state or territory. Each metric keeps six ETL candidates; three unique destinations are shown after de-duplicating across axes. Declaration-volume ranking combines count and Major-disaster share and prefers a different leading incident type; Major-share ranks the Major fraction adjusted for volume; NRI ranks the modeled composite score only.
Retained FEMA snapshot feed for Lake County - capture-dated entries only.
Compare beyond this state
Nationwide peers by NRI score & FEMA declaration volume
Two PlainHazard-derived comparison paths for Lake County: nearest out-of-state National Risk Index composite and nearest FEMA declaration count (floor ≥5 records). Record similarity only, not a forecast of the next hazard.
Similar NRI composite
Nearest out-of-state counties by FEMA NRI score. This county: 47.8 (Relatively Low).
Similar declaration volume
Nearest out-of-state counties by FEMA declaration count. This county: 22. NRI peers are excluded so the two link sets stay distinct.
Further reading for this county
Most disaster-prone counties
With 22 FEMA declarations, Lake County sits in the high-volume declaration band - see how that count ranks against other U.S. counties.
More PlainHazard guides
- Most disaster-prone counties - U.S. counties ranked by FEMA declaration totals.
- Understanding disaster data - declarations vs storm events vs NRI scores.
- Preparing for natural disasters - household checklist (not county-specific advice).
Frequently Asked Questions
What is the most common disaster type in Lake County?
The most common disaster type in Lake County is Severe Storm, with 8 declarations. Other disaster types include Tornado (4), Flood (4), Winter Storm (2).
How does Lake County's FEMA declaration record compare with the Tennessee average?
FEMA lists 22 declaration records for Lake County. That is 3% above the Tennessee county mean of 21.4. Its count is also 6% above the national county mean of 20.7. A larger declaration history records more federal actions; it is not a forecast of the county's next hazard.
How many major FEMA disaster declarations has Lake County received?
Lake County has received 16 major disaster declarations, representing 73% of all 22 disaster declarations.
How many flood insurance claims has Lake County filed?
Lake County has 29 National Flood Insurance Program (NFIP) claims totaling $371.0K in payments, with an average of $12.8K per claim.
What was the worst year for disasters in Lake County?
The most active year for disaster declarations in Lake County was 2011, with 4 declarations. The county has FEMA disaster data spanning 1973 to 2026.
What is the FEMA National Risk Index score for Lake County?
According to the FEMA National Risk Index, Lake County, Tennessee has an overall risk score of 47.8 out of 100 (Relatively Low). On social vulnerability the county rates Very High; on community resilience, Relatively Moderate. The Expected Annual Loss (EAL) score is Very Low, representing $9.6M in annualized losses.
Which natural hazard poses the greatest risk to Lake County?
FEMA's NRI data points to Lake County is Earthquake (risk rating: Relatively Moderate). Other significant hazards include Drought (Relatively Moderate) and Heat Wave (Relatively Low). FEMA's modeled event frequency puts earthquake here at roughly once every 59 years. These scores are based on FEMA's analysis of historical event frequency, exposed assets, and community vulnerability.
Data Sources & Methodology
Disaster declaration data comes from the FEMA OpenFEMA Disaster Declarations Summaries v2 API, which includes all federally declared disasters, emergencies, and fire management assistance grants.
Storm event data is sourced from the NOAA Storm Events Database (2015-2025), which tracks significant weather events including thunderstorms, tornadoes, floods, and winter storms.
Flood insurance data comes from the FEMA National Flood Insurance Program (NFIP) OpenFEMA claims dataset.
This data is provided for informational purposes only. FEMA disaster declarations represent federal response actions and may not capture all local emergencies or weather events.
FEMA OpenFEMA declarations + NRI for Lake County · vintage 2026-08-25 · Methodology · Tennessee profile · Verify with FEMA OpenFEMA · Verify with NOAA Storm Events