Natural hazards · Grand Ledge

Grand Ledge, MI natural hazards

Most of the natural-hazard damage FEMA expects in Grand Ledge comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2015. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Grand Ledge?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Grand Ledge to be higher than in 42% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding54%Tornadoes21%Cold waves9%Strong wind8%Everything else8%

By hazard

What Grand Ledge faces

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

Inland flooding

54% of expected damage

Above average · higher than 51% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

21% of expected damage

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

Cold waves

9% of expected damage

Above average · higher than 50% of U.S. places

Recorded about 2 times a year in the area

Strong wind

8% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 5 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 Grand Ledge flood?

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

1paid claims since 2015

$3Kpaid to owners

0homes flooded more than once

20152026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Grand Ledge 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 Grand Ledge

4 federal disasters brought FEMA money here

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

Brought FEMA money into Grand LedgeDeclared for Eaton County only

2023

Severe Storms, Tornadoes, and Flooding

202 households applied for aid $170K aid approved

2008

Severe Storms, Tornadoes, and Flooding

$45K to the City of Grand Ledge for repairs

2004

Severe Storms, Tornadoes, and Flooding

63 households applied for aid $39K aid approved

2000

Snow

$6K to the City of Grand Ledge for repairs

Eaton County has had 11 natural disasters declared since 1953, most often winter storms and floods.

Around Grand Ledge

Grand Ledge and the towns around it

Very lowLowModerateHighVery high

Grand Ledgemostly inland floodingModerate

Oneidamostly inland floodingModerate

Eaglemostly 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. Grand Ledge covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Grand Ledge’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Grand Ledge. 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 Grand Ledge total about $643K 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.