Natural Disaster Risk in Lane
Kansas
Risk Summary for Lane
Lane scores 6.1/10 (High risk), above the U.S. average of 4.5. The leading hazard is Ice Storm.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π What this means for insurance
Above-average risk β check your policy limits
Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Lane, Kansas
Lane, in Franklin County, is a small community of about 929 situated in the interior eastern United States. Its semi-arid continental climate brings hot summers, cold winters, and exposure at the heart of Tornado Alley, and in particular one of the most intense tornado seasons in the world, peaking in May and June. These conditions collectively define the natural hazard environment that Lane residents and property owners must navigate.
Lane's overall natural disaster risk is rated 6.1/10 (High) by FEMA's National Risk Index. Freezing rain and ice accretion are the primary winter hazard, with glaze ice events capable of downing power lines, snapping tree limbs, and making roads impassable for days. Secondary hazards include winter and hail.
Within Kansas, Lane's risk is, slightly above the 5.2/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Franklin County identifies ice storm as the foremost hazard, followed by winter and hail. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a high natural disaster risk rating, Lane residents benefit from taking preparedness seriously. Reviewing insurance coverage for ice storm and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.
What this means for Lane: Ice Storm preparedness
- Have a backup heat source and charged devices ready before winter storms arrive.
- Prepare for multi-day power outages, as ice accretion frequently downs power lines.
- Keep walkways treated and avoid travel during freezing-rain events.
Local Factors for Lane
These city-level factors differentiate Lane from other communities in Franklin County and provide geographic context for its hazard exposure.
Population
929
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 38.4Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate β seasonal fire risk
Fire score: 5.6/10
Coordinates
38.4337Β° N, 95.0803Β° W
Franklin County
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for Lane
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Lane
Other cities in Kansas
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.