Natural hazards · Williamstown

Williamstown, MI natural hazards

Most of the natural-hazard damage FEMA expects in Williamstown comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 4 claims here since 1985.

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

Expected damage

How exposed is Williamstown?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Williamstown to be higher than in 62% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding66%Tornadoes16%Strong wind7%Cold waves6%Everything else5%

By hazard

What Williamstown faces

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

Inland flooding

66% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about once every 3 years in the area

Tornadoes

16% of expected damage

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

Strong wind

7% of expected damage

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

Recorded about 6 times a year in the area

Cold waves

6% 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 Williamstown flood?

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

4paid claims since 1985

$32Kpaid to owners

0homes flooded more than once

19852026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Williamstown 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 Williamstown

Federal disasters declared here

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

Brought FEMA money into WilliamstownDeclared for Ingham County only

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

Around Williamstown

Williamstown and the towns around it

Very lowLowModerateHighVery high

Williamstownmostly inland floodingHigh

Williamstonmostly inland floodingHigh

Wheatfieldmostly inland floodingLow

Lockemostly inland floodingLow

Leroymostly inland floodingLow

Meridianmostly inland floodingLow

Woodhullmostly cold wavesLow

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. Williamstown covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Williamstown’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Williamstown. 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 Williamstown total about $2.4M 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.