Natural hazards · Laketown

Laketown, MI natural hazards

Most of the natural-hazard damage FEMA expects in Laketown comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 2009.

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

Expected damage

How exposed is Laketown?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Laketown to be higher than in 35% of U.S. communities, mostly from inland flooding.

Inland flooding76%Tornadoes8%Everything else16%

By hazard

What Laketown faces

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

Inland flooding

76% of expected damage

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

Recorded about once every 2 years in the area

Tornadoes

8% of expected damage

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

Lower here

Coastal floodingHurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Laketown flood?

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

2paid claims since 2009

$43Kpaid to owners

1homes flooded more than once

20092026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of all homes
are insured

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

Insurance rates: Allegan County.

Disasters that hit Laketown

Federal disasters declared here

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

Brought FEMA money into LaketownDeclared for Allegan County only

Allegan County has had 14 natural disasters declared since 1953, most often floods and winter storms.

Around Laketown

Laketown and the towns around it

Very lowLowModerateHighVery high

Laketownmostly inland floodingLow

Parkmostly inland floodingLow

Saugatuckmostly inland floodingLow

Fillmoremostly inland floodingVery low

Hollandmostly 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. Laketown covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Laketown’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Laketown. 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 Laketown total about $1.4M 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.