LINCOLN SOLAR
OperatingSolar power plant
- Capacity
- 2 MW
- Primary fuel
- Solar
- County
- Lake County
- Operator
- ECOS ENERGY LLC
- Status
- Operating
- Commissioned
- 2012
- EIA plant ID
- 58496
- Coordinates
- 41.4630, -87.2601
LINCOLN SOLAR, a 2 MW Solar power plant in Lake County, Indiana. Operated by ECOS ENERGY LLC, commissioned 2012.
Weather peril exposure
LINCOLN SOLAR is a 2 MW solar power plant in Lake County, IN, operated by ECOS ENERGY LLC, commissioned in 2012. Lake County carries low modeled catastrophe exposure in the FEMA National Risk Index, scoring 1.5 of 5 at the 12th national percentile. Heat wave is the leading peril, rated Relatively Moderate by FEMA at the 82nd percentile.
Lake County hazard ratings
| Peril | FEMA rating | National percentile | Peril score | Share of modeled loss | Events per year |
|---|---|---|---|---|---|
| Heat wave | Relatively Moderate | 82nd | 4.3 of 5 | <1% | 3.2 |
| Tornado | Very High | 67th | 3.7 of 5 | 35% | 0.42 |
| Earthquake | Relatively Low | 54th | 3.2 of 5 | 1% | <0.01 |
| Riverine flooding | Relatively High | 45th | 2.8 of 5 | 17% | 2.4 |
| Wildfire | Relatively Low | 44th | 2.8 of 5 | 1% | <0.01 |
| Strong wind | Relatively High | 32nd | 2.3 of 5 | 5% | 5.5 |
| Hail | Relatively Low | 22nd | 1.9 of 5 | 41% | 3.7 |
| Lightning | Relatively High | 16th | 1.7 of 5 | 1% | 43.5 |
| Ice storm | Relatively Moderate | 13th | 1.5 of 5 | <1% | 0.87 |
| Winter weather | Relatively High | 11th | 1.5 of 5 | <1% | 14.1 |
| Coastal flooding | Very Low | 5th | 1.2 of 5 | <1% | 0.01 |
| Hurricane | Very Low | 1st | 1.0 of 5 | <1% | <0.01 |
Hail exposure and deductible structure
Hail scores 1.9 of 5, which sits in the 1% to 2% percentage deductible range carriers are quoting for that exposure. Named windstorm and severe convective wind score 3.7 of 5, indicating a 2% to 5% wind deductible. Ranges, not single figures. The final structure is set by the carrier.
Percentage hail deductible range: 1% to 2% of insured value. Wind deductible range: 2% to 5%. These are the structures commonly seen at this exposure, not an offer and not a rate.
Modeled annual loss for a 2 MW solar array
At an assumed replacement value of $0.90 per watt, or $1.4M insured, the modeled expected annual loss for a fixed tilt ground mount array in Lake County is $311 a year, $208 per MW, 0.02% of insured value.
Heat is modeled as a production risk rather than a property loss: 2.5% of annual yield in this county.
Insurability signal: Standard. Named windstorm and severe wind at 3.7 of 5.
Model hail, wind and flood exposure for Lake County in the weather risk calculator
Ratings are the FEMA National Risk Index county hazard ratings; the peril score is a Bywatts transform of the FEMA national percentile, and the modeled loss applies the Bywatts solar vulnerability layer. Full data sources and the solar vulnerability methodology are in the weather risk calculator.
Modeled estimate for screening and negotiation. Built from FEMA National Risk Index county hazard data and a solar vulnerability layer documented above. Not a quote, a binder, or actuarial advice, and not a substitute for a carrier's own model. Hazard data: FEMA National Risk Index December 2025, synced 2026-07-24. Resolution is county level, not site level. The solar vulnerability layer that turns FEMA building loss into modeled solar loss was derived by Bywatts and revised on physical reasoning. It has not been reviewed by a practising underwriter.