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 very low for a U.S. community.

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

Expected damage

How exposed is Lake?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lake to be higher than in 8% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding47%Cold waves24%Strong wind9%Tornadoes9%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

47% of expected damage

Well below average · higher than 19% of U.S. places

Recorded about once every 9 years in the area

Cold waves

24% of expected damage

Below average · higher than 42% of U.S. places

Recorded about 2 times a year in the area

Strong wind

9% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about once a year in the area

Tornadoes

9% of expected damage

Below average · higher than 49% of U.S. places

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 Lake flood?

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

Disasters that hit Lake

Federal disasters declared here

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

Brought FEMA money into LakeDeclared for Missaukee County only

Missaukee County has had 5 natural disasters declared since 1953, most often floods and severe storms.

Around Lake

Lake and the towns around it

Very lowLowModerateHighVery high

Richlandmostly inland floodingVery low

Reedermostly inland floodingVery low

Lakemostly inland floodingVery low

Lake Citymostly inland floodingVery low

Caldwellmostly inland floodingVery low

Haringmostly inland floodingVery low

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; 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 $949K 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.