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Natural hazards · Eaton Rapids

Eaton Rapids, MI natural hazards

Most of the natural-hazard damage FEMA expects in Eaton Rapids comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 6 claims here since 1985. 4 federal disasters brought FEMA money into town.

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

How exposed is Eaton Rapids?

59
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Eaton Rapids to be higher than in 59% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding66%Tornadoes16%Strong wind6%Cold waves6%Everything else7%
By hazard

What Eaton Rapids faces

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

Inland flooding

66% of expected damage
Above average · higher than 73% of U.S. places
Recorded about once every 2 years in the area

Tornadoes

16% of expected damage
Well above average · higher than 90% of U.S. places

Strong wind

6% of expected damage
Well above average · higher than 96% of U.S. places
Recorded about 5 times a year in the area

Cold waves

6% of expected damage
Above average · higher than 50% of U.S. places
Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Eaton Rapids flood?

Every paid claim on a federal flood insurance policy in Eaton Rapids, from FEMA’s records.

6paid claims since 1985
$37Kpaid to owners
1homes flooded more than once
19852026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Eaton Rapids isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Eaton County.
Disasters that hit Eaton Rapids

4 federal disasters brought FEMA money here

Disasters the President declared that paid out in Eaton Rapids itself: aid to households, or repair grants to the City of Eaton Rapids.

Brought FEMA money into Eaton RapidsDeclared for Eaton County only
2023

Severe Storms, Tornadoes, and Flooding

46 households applied for aid $9K aid approved
2008

Severe Storms, Tornadoes, and Flooding

$19K to the City of Eaton Rapids for repairs
2004

Severe Storms, Tornadoes, and Flooding

65 households applied for aid $52K aid approved
2000

Snow

$8K to the City of Eaton Rapids for repairs
Eaton County has had 11 natural disasters declared since 1953, most often winter storms and floods.
Around Eaton Rapids

Eaton Rapids and the towns around it

Hamlin: Low, mostly inland floodingEaton Rapids: Moderate, mostly inland floodingOnondaga: Low, mostly inland floodingSpringport: Low, mostly inland floodingBrookfield: Low, mostly inland floodingWindsor: Moderate, mostly inland floodingAurelius: Low, mostly inland floodingEaton: Low, mostly inland floodingEaton Rapids: Moderate, mostly inland flooding Eaton RapidsHamlinEaton Rapids
Very lowLowModerateHighVery high
Eaton Rapidsmostly inland floodingModerate
Eaton Rapidsmostly inland floodingModerate
Hamlinmostly inland floodingLow
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. Eaton Rapids covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Eaton Rapids’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Eaton Rapids. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Eaton Rapids total about $2.2M a year, counting buildings, people and crops.

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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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