Natural hazards · Hopkins

Hopkins, MI natural hazards

Most of the natural-hazard damage FEMA expects in Hopkins comes from inland flooding, and overall the risk is very low for a U.S. community. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Hopkins?

Very low

vs. U.S. communities

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

Inland flooding67%Tornadoes12%Strong wind7%Cold waves5%Everything else9%

By hazard

What Hopkins faces

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

Inland flooding

67% of expected damage

Below average · higher than 34% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

12% of expected damage

Above average · higher than 64% of U.S. places

Recorded about once every 41 years in the area

Strong wind

7% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 3 times a year in the area

Cold waves

5% of expected damage

Below average · higher than 42% 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 Hopkins flood?

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

of all homes
are insured

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

Insurance rates: Allegan County.

What’s been done with FEMA grants

4storm safe rooms built

Disasters that hit Hopkins

4 federal disasters brought FEMA money here

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

Brought FEMA money into HopkinsDeclared for Allegan County only

2026

Severe Storms, Tornadoes, and Flooding

1 household applied for aid

2013

Flooding

$4K to the Village of Hopkins for repairs

2000

Snow

$755 to the Village of Hopkins for repairs

1999

Mi - Severe Weather 1/2 /99

$2K to the Village of Hopkins for repairs

Allegan County has had 14 natural disasters declared since 1953, most often floods and winter 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. Hopkins 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 Hopkins’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Hopkins. 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.