Natural hazards · Larkin

Larkin, MI natural hazards

Most of the natural-hazard damage FEMA expects in Larkin comes from inland flooding, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is Larkin?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Larkin to be higher than in 27% of U.S. communities, mostly from inland flooding.

Inland flooding62%Cold waves13%Tornadoes12%Strong wind7%Everything else7%

By hazard

What Larkin faces

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

Inland flooding

62% of expected damage

Below average · higher than 45% of U.S. places

Recorded about once a year in the area

Cold waves

13% of expected damage

Above average · higher than 54% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

12% of expected damage

Above average · higher than 68% of U.S. places

Strong wind

7% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 3 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 Larkin flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Midland County.

Disasters that hit Larkin

Federal disasters declared here

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

Brought FEMA money into LarkinDeclared for Midland County only

Midland County has had 11 natural disasters declared since 1953, most often floods and severe storms.

Around Larkin

Larkin and the towns around it

Very lowLowModerateHighVery high

Beavermostly inland floodingModerate

Midlandmostly inland floodingModerate

Millsmostly inland floodingLow

Lincolnmostly inland floodingLow

Larkinmostly 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. Larkin covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Larkin’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Larkin. 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 Larkin total about $2.7M 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.