Natural Disaster Risk in Lottie
Louisiana
Risk Summary for Lottie
Lottie scores 5.6/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Cold Wave.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — standard coverage usually sufficient
This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Lottie, Louisiana
Lottie, in Pointe Coupee County, is a small community of about 780 situated in the Deep South. Its humid subtropical climate brings very hot summers, mild winters, and exceptionally high humidity, and in particular a lengthy hurricane and tropical storm season. These conditions collectively define the natural hazard environment that Lottie residents and property owners must navigate.
Lottie's overall natural disaster risk is rated 5.6/10 (Moderate) by FEMA's National Risk Index. Cold wave events are the primary hazard risk, driven by periodic invasions of Arctic air that drive wind chills to life-threatening levels and stress heating systems. Secondary hazards include drought and hurricane.
Within Louisiana, Lottie's risk is, slightly below the 6.1/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Pointe Coupee County identifies cold wave as the foremost hazard, followed by drought and hurricane. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a moderate risk rating, Lottie residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for cold wave is recommended.
What this means for Lottie: Cold Wave preparedness
- Dress in layers and limit exposure during extreme cold to prevent frostbite and hypothermia.
- Protect pipes, pets, and plants, and ensure heating systems are serviced before winter.
- Keep emergency heat and supplies ready in case of cold-related power outages.
Local Factors for Lottie
These city-level factors differentiate Lottie from other communities in Pointe Coupee County and provide geographic context for its hazard exposure.
Population
780
RuralGeographic Zone
Gulf Coast
Hurricane, surge & flood risk
Climate Band
Warm Subtropical
Latitude 30.5°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 2.3/10
Coordinates
30.5326° N, 91.6470° W
Pointe Coupee 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 Lottie
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Lottie
Other cities in Louisiana
Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.