Natural hazards · Lovells

Lovells, MI natural hazards

Most of the natural-hazard damage FEMA expects in Lovells comes from inland flooding, and overall the risk is low for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Lovells?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lovells to be higher than in 26% of U.S. communities, mostly from inland flooding.

Inland flooding61%Cold waves14%Tornadoes6%Lightning5%Everything else14%

By hazard

What Lovells faces

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

Inland flooding

61% of expected damage

Below average · higher than 49% of U.S. places

Recorded about once every 28 years in the area

Cold waves

14% of expected damage

Below average · higher than 41% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

6% of expected damage

Below average · higher than 48% of U.S. places

Recorded about once every 27 years in the area

Lightning

5% of expected damage

Above average · higher than 64% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong wind

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 Lovells flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Crawford County.

Disasters that hit Lovells

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Lovells itself: aid to households, or repair grants to the Township of Lovells.

Brought FEMA money into LovellsDeclared for Crawford County only

2025

Severe Winter Storm

$20K to the Township of Lovells for repairs

Crawford County has had 7 natural disasters declared since 1953, most often floods and winter storms.

Around Lovells

Lovells and the towns around it

Very lowLowModerateHighVery high

South Branchmostly inland floodingHigh

Graylingmostly inland floodingModerate

Lovellsmostly inland floodingLow

Maple Forestmostly inland floodingLow

Charltonmostly inland floodingLow

Chestermostly inland floodingVery low

Greenwoodmostly 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. Lovells is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Lovells’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Lovells. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.