Natural hazards · Lake Ann

Lake Ann, MI natural hazards

Most of the natural-hazard damage FEMA expects in Lake Ann comes from inland flooding, and overall the risk is very low for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Lake Ann?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lake Ann to be higher than in 11% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding48%Cold waves39%Winter weather5%Everything else7%

By hazard

What Lake Ann faces

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

Inland flooding

48% of expected damage

Below average · higher than 35% of U.S. places

Recorded about once every 6 years in the area

Cold waves

39% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about once a year in the area

Winter weather

5% of expected damage

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

Recorded about 30 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Lake Ann flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Benzie County.

Disasters that hit Lake Ann

1 federal disaster brought FEMA money here

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

Brought FEMA money into Lake AnnDeclared for Benzie County only

2026

Severe Storms, Tornadoes, and Flooding

2 households applied for aid $11K aid approved

Benzie County has had 4 natural disasters declared since 1953, most often floods and hurricanes.

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. Lake Ann 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 Lake Ann’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Lake Ann. 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.