Natural Disaster Risk in Walloon Lake
Michigan
Risk Summary for Walloon Lake
Walloon Lake scores 4.3/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Coastal Flooding.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — standard coverage usually sufficient
This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Walloon Lake, Michigan
Walloon Lake, in Charlevoix County, is a small unincorporated community situated in the Great Lakes region. Its humid continental climate brings severe winters amplified by lake-effect snow and warm, humid summers, and in particular intense lake-effect snowstorms off Lake Michigan and Lake Erie. These conditions collectively define the natural hazard environment that Walloon Lake residents and property owners must navigate.
Walloon Lake's overall natural disaster risk is rated 4.3/10 (Moderate) by FEMA's National Risk Index. The risk of coastal inundation tops the local hazard profile, with the area exposed to storm surge, tidal flooding, and wave action during major coastal storm events. Secondary hazards include cold wave and landslide.
Within Michigan, Walloon Lake's risk is, slightly below the 5.3/10 state average. Nationally, it ranks near the U.S. national average of 4.5/10. FEMA's analysis of Charlevoix County identifies coastal flood as the foremost hazard, followed by cold wave and landslide. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a moderate risk rating, Walloon Lake residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for coastal flood is recommended.
What this means for Walloon Lake: Coastal Flooding preparedness
- Elevate utilities and consider flood-resistant construction in low-lying shoreline areas.
- Coastal flood and storm-surge damage requires separate flood insurance, not standard homeowners coverage.
- Know your evacuation zone and monitor tidal and surge forecasts during coastal storms.
Local Factors for Walloon Lake
These city-level factors differentiate Walloon Lake from other communities in Charlevoix County and provide geographic context for its hazard exposure.
Population
359
RuralGeographic Zone
Great Lakes
Lake-effect snow & wind risk
Climate Band
Cool Continental
Latitude 45.3°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 2.7/10
Coordinates
45.2741° N, 84.9471° W
Charlevoix County
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for Walloon Lake
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Walloon Lake
Other cities in Michigan
Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.