Natural hazards · Georgetown

Georgetown, MI natural hazards

Most of the natural-hazard damage FEMA expects in Georgetown comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 36 claims here since 1981.

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

Expected damage

How exposed is Georgetown?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Georgetown to be higher than in 19% of U.S. communities, mostly from inland flooding.

Inland flooding61%Tornadoes14%Strong wind11%Cold waves6%Everything else8%

By hazard

What Georgetown 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

Below average · higher than 39% of U.S. places

Recorded about once a year in the area

Tornadoes

14% of expected damage

Above average · higher than 56% of U.S. places

Strong wind

11% of expected damage

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

Recorded about 2 times a year in the area

Cold waves

6% of expected damage

Below average · higher than 33% of U.S. places

Recorded about once 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 Georgetown flood?

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

36paid claims since 1981

$376Kpaid to owners

3homes flooded more than once

19812026

Biggest named events

Hurricane Ike: 2 claims, $30K

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. Georgetown isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Ottawa County.

Disasters that hit Georgetown

Federal disasters declared here

None of the disasters declared for Ottawa County shows FEMA aid or repair money reaching Georgetown itself in FEMA’s records.

Brought FEMA money into GeorgetownDeclared for Ottawa County only

Ottawa County has had 14 natural disasters declared since 1953, most often floods and severe storms.

Around Georgetown

Georgetown and the towns around it

Very lowLowModerateHighVery high

Tallmadgemostly inland floodingLow

Allendalemostly inland floodingLow

Georgetownmostly inland floodingVery low

Blendonmostly inland floodingVery low

Hudsonvillemostly inland floodingVery low

Jamestownmostly inland floodingVery low

Wyomingmostly inland floodingVery low

Grandvillemostly inland floodingVery low

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. Georgetown covers 10 census tracts, combined by population.

Money that reached townFlood claims are matched to Georgetown’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Georgetown. 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 Georgetown total about $8.5M 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.