Natural hazards · Long Lake

Long Lake, MI natural hazards

Most of the natural-hazard damage FEMA expects in Long Lake comes from cold waves, and overall the risk is very low for a U.S. community. Flood insurance has paid 1 claim here since 2014.

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

Expected damage

How exposed is Long Lake?

Very low

vs. U.S. communities

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

Cold waves51%Inland flooding35%Winter weather5%Everything else9%

By hazard

What Long Lake faces

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

Cold waves

51% of expected damage

Well below average · higher than 21% of U.S. places

Recorded about once a year in the area

Inland flooding

35% of expected damage

Below average · higher than 43% of U.S. places

Recorded about once every 2 years in the area

Winter weather

5% of expected damage

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

Recorded about 31 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Long Lake flood?

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

1paid claims since 2014

$2Kpaid to owners

0homes flooded more than once

20142026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Grand Traverse County.

Disasters that hit Long Lake

Federal disasters declared here

None of the disasters declared for Grand Traverse County shows FEMA aid or repair money reaching Long Lake itself in FEMA’s records.

Brought FEMA money into Long LakeDeclared for Grand Traverse County only

Grand Traverse County has had 4 natural disasters declared since 1953, most often floods and hurricanes.

Around Long Lake

Long Lake and the towns around it

Very lowLowModerateHighVery high

Green Lakemostly cold wavesLow

Inlandmostly inland floodingLow

Solonmostly cold wavesVery low

Long Lakemostly cold wavesVery low

Almiramostly inland floodingVery low

Garfieldmostly cold wavesVery 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. Long Lake covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Long Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Long Lake. 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 Long Lake total about $4.7M 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.