Natural hazards · Lincoln

Lincoln, MI natural hazards

Most of the natural-hazard damage FEMA expects in Lincoln comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 10 claims here since 1985.

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

Expected damage

How exposed is Lincoln?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lincoln to be higher than in 36% of U.S. communities, mostly from inland flooding.

Inland flooding62%Cold waves13%Tornadoes10%Strong wind7%Everything else8%

By hazard

What Lincoln 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

Above average · higher than 61% of U.S. places

Recorded about once a year in the area

Cold waves

13% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

10% of expected damage

Above average · higher than 60% of U.S. places

Strong wind

7% of expected damage

Above average · higher than 57% of U.S. places

Recorded about 5 times a year in the area

Lower here

Coastal floodingHurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Lincoln flood?

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

10paid claims since 1985

$121Kpaid to owners

0homes flooded more than once

19852026

Biggest named events

Hurricane Ike: 1 claim, $5K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Berrien County.

Disasters that hit Lincoln

Federal disasters declared here

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

Brought FEMA money into LincolnDeclared for Berrien County only

Berrien County has had 10 natural disasters declared since 1953, most often floods and winter storms.

Around Lincoln

Lincoln and the towns around it

Very lowLowModerateHighVery high

Lincolnmostly inland floodingLow

Royaltonmostly inland floodingLow

St. Josephmostly inland floodingLow

Shorehammostly inland floodingLow

Lakemostly 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. Lincoln covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Lincoln’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Lincoln. 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 Lincoln total about $4.6M 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.