Natural hazards · Lapeer

Lapeer, MI natural hazards

Most of the natural-hazard damage FEMA expects in Lapeer comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 8 claims here since 1981. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Lapeer?

Very low

vs. U.S. communities

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

Inland flooding33%Tornadoes28%Cold waves20%Strong wind12%Everything else7%

By hazard

What Lapeer faces

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

Inland flooding

33% of expected damage

Well below average · higher than 5% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

28% of expected damage

Well above average · higher than 86% of U.S. places

Cold waves

20% of expected damage

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

Recorded about 3 times a year in the area

Strong wind

12% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 6 times a year in the area

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 Lapeer flood?

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

8paid claims since 1981

$107Kpaid to owners

0homes flooded more than once

19812026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lapeer County.

Disasters that hit Lapeer

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Lapeer itself: aid to households, or repair grants to the City of Lapeer.

Brought FEMA money into LapeerDeclared for Lapeer County only

2000

Snow

$20K to the City of Lapeer for repairs

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

Around Lapeer

Lapeer and the towns around it

Very lowLowModerateHighVery high

Elbamostly inland floodingLow

Mayfieldmostly inland floodingLow

Lapeermostly inland floodingLow

Lapeermostly 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. Lapeer covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Lapeer’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Lapeer. 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 Lapeer total about $2.6M 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.