Natural hazards · Locke

Locke, MI natural hazards

Most of the natural-hazard damage FEMA expects in Locke comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 2018.

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

Expected damage

How exposed is Locke?

Low

vs. U.S. communities

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

Inland flooding53%Tornadoes21%Strong wind10%Cold waves8%Everything else8%

By hazard

What Locke faces

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

Inland flooding

53% of expected damage

Below average · higher than 42% of U.S. places

Recorded about once every 3 years in the area

Tornadoes

21% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once every 27 years in the area

Strong wind

10% of expected damage

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

Recorded about 6 times a year in the area

Cold waves

8% of expected damage

Above average · higher than 50% of U.S. places

Recorded about 2 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 Locke flood?

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

2paid claims since 2018

$6Kpaid to owners

0homes flooded more than once

20182026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Ingham County.

Disasters that hit Locke

Federal disasters declared here

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

Brought FEMA money into LockeDeclared for Ingham County only

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

Around Locke

Locke and the towns around it

Very lowLowModerateHighVery high

Williamstownmostly inland floodingHigh

Lockemostly inland floodingLow

Leroymostly inland floodingLow

Conwaymostly inland floodingLow

Perrymostly 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. Locke covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Locke’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Locke. 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 Locke total about $1.7M 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.