Natural hazards · Lake

Lake, MI natural hazards

Most of the natural-hazard damage FEMA expects in Lake comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 5 claims here since 1986.

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

Expected damage

How exposed is Lake?

Low

vs. U.S. communities

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

Inland flooding65%Strong wind16%Cold waves7%Everything else12%

By hazard

What Lake faces

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

Inland flooding

65% of expected damage

Above average · higher than 55% of U.S. places

Recorded about once every 3 years in the area

Strong wind

16% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once a year in the area

Cold waves

7% of expected damage

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

Recorded about once a year in the area

Lower here

HurricanesTornadoesHailIce 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 Lake flood?

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

5paid claims since 1986

$120Kpaid to owners

0homes flooded more than once

19862026

of all homes
are insured

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

Insurance rates: Lake County.

Disasters that hit Lake

Federal disasters declared here

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

Brought FEMA money into LakeDeclared for Lake County only

Lake County has had 7 natural disasters declared since 1953, most often floods and severe storms.

Around Lake

Lake and the towns around it

Very lowLowModerateHighVery high

Lakemostly inland floodingLow

Sweetwatermostly inland floodingLow

Pleasant Plainsmostly inland floodingLow

Loganmostly inland floodingLow

Troymostly 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. Lake covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Lake’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Lake. 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 Lake total about $1.0M 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.