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LakeAnnPhoto: Phoenix-Five · CC BY-SA 4.0
–Not graded
Natural hazards in Lake Ann · FEMA

Storms, floods and disasters in Lake Ann

Lake Ann isn’t graded for hazard risk: Lake Ann has 273 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
1
of 3 declared for Benzie County
By hazard

What Lake Ann faces

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

River and rain flooding

94%of expected building damage
Below average · lower than 65% of U.S. census tracts
Recorded about once every 6 years in the area
Smaller shares here
 Strong wind Tornadoes Hail Earthquakes Wildfire Winter storms Lightning Hurricanes Ice storms Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 39% of Lake Ann’s expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.

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 Lake Ann flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Lake Ann. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

Lake Ann isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Benzie County.
Disasters

1 federal disaster brought FEMA money to Lake Ann

Disasters that paid out in Lake Ann itself (aid to households or repair grants to the Village of Lake Ann), newest first, with that year’s flood claims.

  1. 2026Severe Storms, Tornadoes, and Flooding2 households applied for aid$11K aid approved
Disasters declared, by decade
Paid out in Lake AnnBenzie County only

Benzie County has had 3 natural disasters declared by the President since 1953, most often floods, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

Old photos of Lake Ann after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Lake Ann archive →
Next door

Lake Ann and its neighbors

How expected damage per building compares across the town line. Tap a town to see its hazards.

Hardwood Acres: not gradedHardwood AcresLake Ann
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Hardwood Acres—611 residents; we grade 1,000+

Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.

Be ready

Get ready for what Lake Ann faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • Turn around at flooded roads: a foot of moving water can carry off a car.
  • Flood insurance usually takes 30 days to start, so buy it before the forecast.
  • Keep papers and medicines up high, in a grab-and-go bag.
More from Ready.gov ↗
Before you buy or rent
  • Look up the address on FEMA’s flood map.
  • Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
  • Get a flood insurance quote early: policies usually start 30 days after you buy.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Lake Ann

Is Lake Ann in a flood zone?

Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Benzie County, 11% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.

How much is flood insurance in Lake Ann?

FEMA’s Community Rating System list shows no discount for Lake Ann’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

What was the biggest storm in Lake Ann?

By FEMA money that reached Lake Ann, Severe Storms, Tornadoes, and Flooding (2026): 2 households applied for aid, $11K approved.

Storm stories

Memories, warnings and help from neighbors in Lake Ann.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lake Ann’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.