Natural hazards · Central Lake

Central Lake, MI natural hazards

Most of the natural-hazard damage FEMA expects in Central Lake comes from inland flooding, and overall the risk is low for a U.S. community. 1 federal disaster brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Central Lake?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Central Lake to be higher than in 27% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding61%Cold waves29%Everything else9%

By hazard

What Central Lake faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

61% of expected damage

Above average · higher than 58% of U.S. places

Recorded about once every 14 years in the area

Cold waves

29% of expected damage

Below average · higher than 26% of U.S. places

Recorded about once a year in the area

Lower here

Coastal floodingHurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Central Lake flood?

FEMA's records show no paid flood insurance claims in Central Lake.

of all homes
are insured

No community discount. Central Lake isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Antrim County.

Disasters that hit Central Lake

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Central Lake itself: aid to households, or repair grants to the Village of Central Lake.

Brought FEMA money into Central LakeDeclared for Antrim County only

2026

Severe Storms, Tornadoes, and Flooding

24 households applied for aid $142K aid approved

Antrim County has had 5 natural disasters declared since 1953, most often floods and ice storms.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Central Lake is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Central Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Central Lake. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.