Natural hazards · La Salle

La Salle, MI natural hazards

Most of the natural-hazard damage FEMA expects in La Salle comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 224 claims here since 1980. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is La Salle?

Moderate

vs. U.S. communities

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

Inland flooding60%Tornadoes15%Cold waves11%Strong wind6%Everything else9%

By hazard

What La Salle faces

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

Inland flooding

60% of expected damage

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

Recorded about once a year in the area

Tornadoes

15% of expected damage

Well above average · higher than 80% of U.S. places

Cold waves

11% of expected damage

Above average · higher than 58% of U.S. places

Recorded about 3 times a year in the area

Strong wind

6% of expected damage

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

Recorded about 5 times a year in the area

Lower here

Coastal floodingHurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 La Salle flood?

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

224paid claims since 1980

$2.4Mpaid to owners

0homes flooded more than once

19802026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Monroe County.

Disasters that hit La Salle

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in La Salle itself: aid to households, or repair grants to the Township of La Salle.

Brought FEMA money into La SalleDeclared for Monroe County only

2023

Severe Storms, Tornadoes, and Flooding

9 households applied for aid $10K aid approved

Monroe County has had 8 natural disasters declared since 1953, most often floods and winter storms.

Around La Salle

La Salle and the towns around it

Very lowLowModerateHighVery high

Monroemostly inland floodingModerate

Luna Piermostly inland floodingModerate

La Sallemostly inland floodingModerate

Eriemostly inland floodingLow

Idamostly 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. La Salle covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to La Salle’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of La Salle. 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 La Salle total about $1.5M 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.