Natural hazards · Kalamo

Kalamo, MI natural hazards

Most of the natural-hazard damage FEMA expects in Kalamo comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 2018.

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

Expected damage

How exposed is Kalamo?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Kalamo to be higher than in 38% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding54%Tornadoes21%Strong wind9%Cold waves8%Everything else8%

By hazard

What Kalamo 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

Below average · higher than 46% 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

Recorded about once every 27 years in the area

Strong wind

9% of expected damage

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

Recorded about 5 times a year in the area

Cold waves

8% 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 Kalamo flood?

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

2paid claims since 2018

$11Kpaid to owners

0homes flooded more than once

20182026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Kalamo 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 Kalamo

Federal disasters declared here

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

Brought FEMA money into KalamoDeclared for Eaton County only

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

Around Kalamo

Kalamo and the towns around it

Very lowLowModerateHighVery high

Kalamomostly inland floodingLow

Bellevuemostly inland floodingLow

Maple Grovemostly inland floodingLow

Vermontvillemostly inland floodingLow

Carmelmostly 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. Kalamo covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Kalamo’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Kalamo. 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 Kalamo total about $1.3M 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.