Natural hazards · L'Anse

L'Anse, MI natural hazards

Most of the natural-hazard damage FEMA expects in L'Anse comes from cold waves, and overall the risk is low for a U.S. community. Flood insurance has paid 3 claims here since 1987.

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

Expected damage

How exposed is L'Anse?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in L'Anse to be higher than in 23% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves48%Inland flooding33%Hail11%Everything else9%

By hazard

What L'Anse faces

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

Cold waves

48% of expected damage

Above average · higher than 60% of U.S. places

Recorded about 5 times a year in the area

Inland flooding

33% of expected damage

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

Recorded about once every 2 years in the area

Hail

11% of expected damage

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

Recorded about once a year in the area

Lower here

Coastal floodingTornadoesIce stormsWinter weatherHeat wavesWildfireLandslidesStrong windLightningDrought

Not a risk here

HurricanesEarthquakesAvalanchesTsunamisVolcanic 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 L'Anse flood?

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

3paid claims since 1987

$14Kpaid to owners

0homes flooded more than once

19872026

of all homes
are insured

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

Insurance rates: Baraga County.

Disasters that hit L'Anse

Federal disasters declared here

None of the disasters declared for Baraga County shows FEMA aid or repair money reaching L'Anse itself in FEMA’s records.

Brought FEMA money into L'AnseDeclared for Baraga County only

Baraga County has had 5 natural disasters declared since 1953, most often floods and hurricanes.

Around L'Anse

L'Anse and the towns around it

Very lowLowModerateHighVery high

Michigammemostly inland floodingModerate

Baragamostly cold wavesLow

Spurrmostly cold wavesLow

Covingtonmostly cold wavesLow

L'Ansemostly cold wavesLow

Arvonmostly cold wavesLow

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. L'Anse covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to L'Anse’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of L'Anse. 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 L'Anse total about $3.8M 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.