Natural hazards · Jamestown

Jamestown, MI natural hazards

Most of the natural-hazard damage FEMA expects in Jamestown comes from inland flooding, and overall the risk is very low for a U.S. community.

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

Expected damage

How exposed is Jamestown?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Jamestown to be higher than in 12% of U.S. communities, mostly from inland flooding and strong winds.

Inland flooding56%Strong wind15%Tornadoes14%Cold waves7%Everything else8%

By hazard

What Jamestown faces

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

Inland flooding

56% of expected damage

Below average · higher than 25% of U.S. places

Recorded about once a year in the area

Strong wind

15% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

14% of expected damage

Above average · higher than 59% of U.S. places

Cold waves

7% 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 Jamestown flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Jamestown 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 Jamestown

Federal disasters declared here

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

Brought FEMA money into JamestownDeclared for Ottawa County only

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

Around Jamestown

Jamestown and the towns around it

Very lowLowModerateHighVery high

Salemmostly inland floodingLow

Zeelandmostly inland floodingLow

Georgetownmostly inland floodingVery low

Hudsonvillemostly inland floodingVery low

Jamestownmostly inland floodingVery low

Byronmostly 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. Jamestown covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Jamestown’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Jamestown. 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 Jamestown total about $2.7M 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.