Natural hazards · Lima

Lima, MI natural hazards

Most of the natural-hazard damage FEMA expects in Lima 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 Lima?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lima to be higher than in 17% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding52%Tornadoes22%Cold waves10%Strong wind7%Everything else9%

By hazard

What Lima faces

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

Inland flooding

52% of expected damage

Below average · higher than 25% of U.S. places

Recorded about once a year in the area

Tornadoes

22% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once every 58 years in the area

Cold waves

10% of expected damage

Above average · higher than 73% of U.S. places

Recorded about 3 times a year in the area

Strong wind

7% of expected damage

Well above average · higher than 92% 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 Lima flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Washtenaw County.

Disasters that hit Lima

Federal disasters declared here

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

Brought FEMA money into LimaDeclared for Washtenaw County only

Washtenaw County has had 9 natural disasters declared since 1953, most often winter storms and floods.

Around Lima

Lima and the towns around it

Very lowLowModerateHighVery high

Dextermostly inland floodingLow

Freedommostly inland floodingVery low

Limamostly inland floodingVery low

Sylvanmostly inland floodingVery low

Sciomostly inland floodingVery low

Chelseamostly 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. Lima covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Lima’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Lima. 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 Lima total about $1.2M 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.