Hazard Plain Automated baseline

Eaton County, MI

Risk-assessment baseline packet

County FIPS:
26045
Release:
2026-10
Data as of:
2026-09-30
Storm Events data through:
2026-06-30

Hazard Plain is an independent product built from public federal data. It is not a FEMA document and is not reviewed or endorsed by FEMA or any state agency.

Hazard Plain release 2026-10, as of 2026-09-30.

Summary

Plan status as of 2026-09-30: Approved, expires 2030-06-17. Plan: Eaton County Hazard Mitigation Plan 2025 (FEMA plan 110781), approved 2025-06-18.

Since the plan was approved on 2025-06-18: 1 new hazard declaration (1 incident) and 9 NOAA Storm Events records; details under "What changed since your last plan".

Highest expected annual loss (FEMA National Risk Index, modeled total; see B1-a): Inland Flooding ($16,038,610 a year), Tornado ($6,393,868) and Strong Wind ($2,703,428).

The tables that follow are organized by the items of FEMA's Local Mitigation Plan Review Tool, Element B (B1-a to B2-c); each heading says which item its tables support.

Plan clock

Status:
Approved, expires 2030-06-17
Plan:
Eaton County Hazard Mitigation Plan 2025 (FEMA plan 110781)
Approved:
2025-06-18
Days to expiry:
1,356

Also approved under plan 108837 (Tri-County HMP Update (Clinton, Eaton, Ingham), expires 2028-03-02). FEMA's plan status map shows one plan per jurisdiction and may show one of these; this packet uses the approved plan that expires last.

What changed since your last plan (approved 2025-06-18)

New federal declarations:
1 new hazard declaration (1 incident): DR-4925-MI (Severe Storms, Tornadoes, and Flooding)
Storm Events records since approval:
9 records (data through 2026-06-30)
Repetitive loss now:
FMA RL 0, SRL 0 (44 CFR 77.2); any definition: 13
Repeat-flood change:
this release sets the baseline count.

Sources: 1, 2, 4, 6 (numbered list at the end)

Plan status for every jurisdiction listed in this county: 15 rows, in the section "Plan clock: Plan status for every jurisdiction listed in this county" on the following pages.

State plan status and tribal plans in this state: see the state page.

Plan clock

Plan status for every jurisdiction listed in this county

Source: 1

JurisdictionTypeStatusPlanApprovedExpiresDays to expirynegative = days since expiryUpdate underwayNotes
Eaton CountyCountyApproved, expires 2030-06-17Eaton County Hazard Mitigation Plan 2025 (FEMA plan 110781)2025-06-182030-06-171,356Also approved under plan 108837 (Tri-County HMP Update (Clinton, Eaton, Ingham), expires 2028-03-02). FEMA's plan status map shows one plan per jurisdiction and may show one of these; this packet uses the approved plan that expires last. this jurisdiction approved 2025-07-02
Bellevue villageVillageApproved, expires 2030-06-17Eaton County Hazard Mitigation Plan 2025 (FEMA plan 110781)2025-06-182030-06-171,356this jurisdiction approved 2025-07-02
Charlotte cityCityApproved, expires 2030-06-17Eaton County Hazard Mitigation Plan 2025 (FEMA plan 110781)2025-06-182030-06-171,356this jurisdiction approved 2025-07-02
Eaton Rapids cityCityApproved, expires 2030-06-17Eaton County Hazard Mitigation Plan 2025 (FEMA plan 110781)2025-06-182030-06-171,356
Grand Ledge cityCityApproved, expires 2030-06-17Eaton County Hazard Mitigation Plan 2025 (FEMA plan 110781)2025-06-182030-06-171,356this jurisdiction approved 2025-07-23
Lansing cityCityExpired on 2024-01-30City of Lansing (FEMA plan 105552)2019-01-312024-01-30-974
Olivet cityCityApproved, expires 2030-06-17Eaton County Hazard Mitigation Plan 2025 (FEMA plan 110781)2025-06-182030-06-171,356
Potterville cityCityApproved, expires 2030-06-17Eaton County Hazard Mitigation Plan 2025 (FEMA plan 110781)2025-06-182030-06-171,356this jurisdiction approved 2025-09-24
Bellevue townshipTownshipApproved, expires 2030-06-17Eaton County Hazard Mitigation Plan 2025 (FEMA plan 110781)2025-06-182030-06-171,356this jurisdiction approved 2025-09-24
Benton townshipTownshipApproved, expires 2030-06-17Eaton County Hazard Mitigation Plan 2025 (FEMA plan 110781)2025-06-182030-06-171,356this jurisdiction approved 2025-09-24
Brookfield townshipTownshipPlan 108837 approved 2023-03-03, pending adoption here; not yet eligibleTri-County HMP Update (Clinton, Eaton, Ingham) (FEMA plan 108837), pending adoption here2023-03-03 by FEMA; not yet adopted here2028-03-02 once adoptedFEMA tracker shows a plan approvable pending adoptionNot yet eligible: adopt the approved plan.
Delta charter townshipTownshipApproved, expires 2028-03-02Tri-County HMP Update (Clinton, Eaton, Ingham) (FEMA plan 108837)2023-03-032028-03-02519
Eaton townshipTownshipPlan 110781 approved 2025-06-18, pending adoption here; not yet eligibleEaton County Hazard Mitigation Plan 2025 (FEMA plan 110781), pending adoption here2025-06-18 by FEMA; not yet adopted here2030-06-17 once adoptedFEMA tracker shows a plan approvable pending adoptionNot yet eligible: adopt the approved plan.
Hamlin townshipTownshipPlan 108837 approved 2023-03-03, pending adoption here; not yet eligibleTri-County HMP Update (Clinton, Eaton, Ingham) (FEMA plan 108837), pending adoption here2023-03-03 by FEMA; not yet adopted here2028-03-02 once adoptedFEMA tracker shows a plan approvable pending adoptionNot yet eligible: adopt the approved plan.
Oneida charter townshipTownshipPlan 108837 approved 2023-03-03, pending adoption here; not yet eligibleTri-County HMP Update (Clinton, Eaton, Ingham) (FEMA plan 108837), pending adoption here2023-03-03 by FEMA; not yet adopted here2028-03-02 once adoptedFEMA tracker shows a plan approvable pending adoptionNot yet eligible: adopt the approved plan.

Supports FEMA checklist item B1-a: hazard identification

Hazards NRI does not cover (local data needed)

  • dam failure (incl. upstream dams)
  • levee failure
  • flash flood as its own subtype
  • ice jams
  • debris flows
  • erosion (riverine and coastal)
  • land subsidence and sinkholes
  • expansive soils

The 18 National Risk Index hazards, ranked by expected annual loss (EAL)

Sources: 5, 6

Rank by EALHazardNRI risk ratingEAL ratingEAL buildingsmodeled dollars per yearEAL agriculturemodeled dollars per yearCost of expected deaths and injuriesFEMA's dollar value per year, not property damageEAL total (see note)modeled dollars per yearStorm Events records, 1996 to 2026-06-30countStorm Events coverage note
1Inland FloodingRelatively LowRelatively Moderate$16,016,194$18,038$4,378$16,038,61012
2TornadoRelatively ModerateRelatively Moderate$4,114,033$3,102$2,276,734$6,393,86810
3Strong WindRelatively HighRelatively High$2,124,663$72,754$506,011$2,703,428112Includes 9 High Wind and 1 Strong Wind records (NOAA non-thunderstorm wind types, outside NRI's Strong Wind definition).
4Cold WaveRelatively ModerateRelatively Moderate$1,119$36,028$2,237,511$2,274,6580No recorded events in Storm Events since 1996 (data through 2026-06-30).
5HailRelatively ModerateRelatively Moderate$1,281,389$31,750$32,886$1,346,02450
6EarthquakeVery LowRelatively Low$259,581n/a$70,414$329,995Storm Events does not record earthquakes.
7Heat WaveRelatively LowRelatively Low$5,089$1$322,820$327,9100No recorded events in Storm Events since 1996 (data through 2026-06-30).
8Ice StormRelatively ModerateRelatively Moderate$254,406n/a$30,950$285,3565
9LightningRelatively LowRelatively Low$21,570n/a$187,282$208,8520No recorded events in Storm Events since 1996 (data through 2026-06-30).
10Winter WeatherRelatively LowRelatively Moderate$20,053$619$53,221$73,89360Includes 1 Sleet record (outside NRI's Winter Weather definition).
11HurricaneVery LowVery Low$23,249$5,127$61$28,4370No recorded events in Storm Events since 1996 (data through 2026-06-30).
12WildfireVery LowVery Low$9,523$4$989$10,5150No recorded events in Storm Events since 1996 (data through 2026-06-30).
13LandslideVery LowVery Low$196n/a$994$1,1900No recorded events in Storm Events since 1996 (data through 2026-06-30).
14DroughtNo RatingNo Expected Annual Lossesn/a$0n/a$00No recorded events in Storm Events since 1996 (data through 2026-06-30).

Total = buildings + agriculture + population equivalence; FEMA values each expected death (or 10 injuries) at $13.7 million (2024 dollars).

NRI risk rating combines expected annual loss with social vulnerability and community resilience; EAL rating rates expected annual loss alone. Both compare this county with all U.S. counties.

Local data needed: state and local lightning, wildfire and landslide records (Storm Events records these hazards only in part).

Not applicable to this county per NRI, with no federal declaration and no Storm Events record since 1996: avalanche, coastal flooding, tsunami and volcanic activity. That is the evidence for leaving them out of the plan.

The state hazard mitigation plan also lists hazards for this county; FEMA asks the plan to explain any hazard it leaves out.

Supports FEMA checklist item B1-b: hazard location

Affects the whole county (national data give no location within it): Cold Wave, Drought, Hail, Heat Wave, Ice Storm, Lightning, Strong Wind and Winter Weather.

Inland Flooding: The FEMA Flood Insurance Rate Map (FIRM) is the required location source for flooding. See the FEMA Flood Map Service Center (https://msc.fema.gov) for this county.

Hazards that vary within the county: highest-rated census tracts

Source: 5

HazardHighest-rated census tractsNRI risk rating, score 0 to 100
Earthquaketract 202.02 (Relatively Low, 52.8); tract 203.03 (Relatively Low, 46.3); tract 201.02 (Very Low, 38.3)
Hurricanetract 202.02 (Very Low, 40.1); tract 211 (Very Low, 38.3); tract 207 (Very Low, 37.9)
Landslidetract 208 (Relatively Low, 88.1); tract 211 (Relatively Low, 85.4); tract 207 (Relatively Low, 83.6)
Tornadotract 202.02 (Very High, 93.5); tract 203.02 (Relatively High, 84.1); tract 203.03 (Relatively High, 83.4)
Wildfiretract 208 (Very Low, 63.2); tract 214.02 (Very Low, 63.1); tract 210.01 (Very Low, 62.9)

Up to 3 census tracts per hazard, highest National Risk Index rating first, then highest score; a tract number is the Census tract number (for example 202.02 is Census Tract 202.02). FEMA's Resilience Analysis and Planning Tool maps the National Risk Index for every tract: https://www.fema.gov/emergency-managers/practitioners/resilience-analysis-and-planning-tool

Supports FEMA checklist item B1-c: hazard extent

Extent: scale, observed range and worst recorded event per hazard

Sources: 6, 7

HazardScaleRecordscount and yearsObserved rangeWorst recorded eventMost damaging (when different)How it applies to jurisdictionsNote
Cold/Wind Chill, Extreme Cold/Wind Chillwind chill0
Frost/Freeze (outside NRI's Cold Wave definition)crop damage0
DroughtU.S. Drought Monitor scale (D0 to D4)0Storm Events enters a drought at D2 or worse east of the Rockies and D3 or worse from the Rockies west (NWS Instruction 10-1605); NRI drought counts D3 and D4 only.
EarthquakeModified Mercalli (local data)0Storm Events does not record earthquakes; the USGS earthquake catalog is the source.
Hailhail size (inches)67 records, 1957 to 20260.75 in to 1.75 in (median 0.88 in); 67 with a recorded value1.75 in hail, 2004-05-23; same size also recorded on 1978-07-26, 1990-07-16, 1991-03-21, 1998-06-24Hail, 2000-05-18, $80,000 property; $40,000 crops (2000 dollars)Event records naming jurisdictions in the plan: Charlotte city (14 records), Grand Ledge city (8 records), Bellevue township (7 records), Bellevue village (7 records), Eaton Rapids city (4 records).
Excessive Heat, Heatheat index (in event narratives)0
Hurricane, Tropical Storm, Tropical DepressionSaffir-Simpson0Storm Events files every zone of a storm's episode under the storm's type; flooding from the storm is filed as Flood or Flash Flood records.
Ice StormSperry-Piltz ice scale (local data)5 records, 1997 to 2023 (5 zone-level)Ice Storm, 2013-12-21, $5,000,000 property; $0 crops (2013 dollars); NWS zone MIZ066Countywide (zone-level records).
Flash Flood, Flood, Lakeshore Flooddamage and flood days (flood depth: FIRM)12 records, 1996 to 2020 (2 zone-level)Flood, 2013-04-17, $3,000,000 property; $0 crops (2013 dollars)Event records naming jurisdictions in the plan: Bellevue township (4 records), Bellevue village (4 records), Grand Ledge city (2 records), Eaton Rapids city (1 record). Zone-level records (2) apply countywide.Flood depth: see the FEMA Flood Insurance Rate Map. Storm Events damage is often $0 or blank for floods, major ones included; FEMA Public Assistance by declaration (B1-d) shows which floods cost the most.
Debris Flownone (count and damage only)0
Lightningannualized frequency (the measure FEMA's Local Mitigation Planning Handbook names)0Storm Events lists lightning with damage or casualties.
High Wind and Strong Wind (outside NRI's Strong Wind definition)wind speed (kt and mph)10 records, 1997 to 2019 (10 zone-level)41 kt (47 mph) to 61 kt (70 mph) (median 52 kt (60 mph)); 9 with a recorded value61 kt (70 mph) estimated gust, High Wind, 2017-03-08; same speed and measurement basis also recorded on 2013-11-17; NWS zone MIZ066Countywide (zone-level records).
Thunderstorm Windwind speed (kt and mph)130 records, 1966 to 202650 kt (58 mph) to 90 kt (104 mph) (median 53 kt (61 mph)); 93 with a recorded value90 kt (104 mph) estimated, Thunderstorm Wind, 2001-10-24Thunderstorm Wind, 2023-08-24, $5,000,000 property; $0 crops (2023 dollars)Event records naming jurisdictions in the plan: Charlotte city (16 records), Bellevue township (12 records), Bellevue village (12 records), Eaton Rapids city (12 records), Grand Ledge city (11 records), Brookfield township (4 records), Olivet city (4 records), Potterville city (4 records), Lansing city (3 records).
TornadoEnhanced Fujita (Fujita before Feb 2007)26 records, 1951 to 2026F/EF0 to F/EF4 (median F/EF1); 26 with a recorded valueF4 tornado, 1977-04-02, 16.6 mi path length (whole path, pre-1996), 613 yd wide, $2,500,000 property; crops not recorded (1977 dollars), 1 direct death, 44 direct injuriesTornado, 2007-08-24, $40,000,000 property; $0 crops (2007 dollars)Event records naming jurisdictions in the plan: Potterville city (2 records), Brookfield township (1 record), Charlotte city (1 record), Eaton Rapids city (1 record).Before 1996 a tornado is listed once, under the county where it began, with its whole path's rating and length; from 1996 on, each county lists its own segment. Length is not used to rank tornadoes (see Methods).
Wildfireacres burned (local data)0
Winter Storm, Heavy Snow, Blizzard, Lake-Effect Snow, Winter Weather, Sleetnone in data (snowfall: local data)60 records, 1997 to 2025 (60 zone-level)Winter Storm, 2011-11-29, $1,000,000 property; $0 crops (2011 dollars); NWS zone MIZ066Countywide (zone-level records).

In event narratives only (local data needed): wind chill, temperature, heat index, ice thickness, acres burned and snow depth; any physical measure of debris flow and lightning.

Storm Events records are more complete after 1996; before 1996 only Tornado (from 1950), Hail and Thunderstorm Wind (from 1955) exist. Zone-level records from zones that no NWS zone-county file places in this county (mostly before 2020) are not counted here (the Methods page explains the zone matching).

Dollars are nominal (as reported), labeled with the year; not adjusted for inflation.

Supports FEMA checklist item B1-d: previous occurrences

Federal declarations for this county: 14 declarations covering 10 separate hazard incidents counted in this packet (declarations for the same incident count once; non-natural and evacuation-only declarations are not counted).

Federal disaster declarations for this county

Sources: 1, 2, 3

DeclaredIncident beganFEMA numberTypeTitleMapped hazardCounty Public Assistancefederal share obligated, nominal dollarsFlagsNotes
2026-06-302026-04-10DR-4925-MIMajor disasterSevere Storms, Tornadoes, and FloodingInland Flooding (primary); also designated: Tornado$57,713.48new since last plan; within last 5 years
2024-02-082023-08-24DR-4757-MIMajor disasterSevere Storms, Tornadoes, and FloodingInland Flooding (primary); also designated: TornadoPA not declared for this countywithin last 5 years
2020-03-272020-01-20DR-4494-MIMajor disasterCOVID-19 PandemicNon-natural, not counted$134,389.63
2020-03-132020-01-20EM-3455-MIEmergencyCOVID-19Non-natural, not countedno Public Assistance recordedsame incident as DR-4494
2008-07-142008-06-06DR-1777-MIMajor disasterSevere Storms, Tornadoes, and FloodingInland Flooding; Tornado$614,038.29
2005-09-072005-08-29EM-3225-MIEmergencyHurricane Katrina EvacuationHurricane: evacuation support, not a local hazard event; not countedno Public Assistance recorded
2004-06-302004-05-20DR-1527-MIMajor disasterSevere Storms, Tornadoes, and FloodingInland Flooding; TornadoPA not declared for this county
2003-09-232003-08-14EM-3189-MIEmergencyPower OutageNon-natural, not counted$16,252.29
2001-01-102000-12-11EM-3160-MIEmergencySnowWinter Weather$116,868.92
1978-01-271978-01-27EM-3057-MIEmergencyBlizzards & SnowstormsWinter Weatherno Public Assistance recorded
1977-02-051977-02-05EM-3030-MIEmergencySnowstormsWinter Weatherno Public Assistance recorded
1975-04-261975-04-26DR-465-MIMajor disasterSevere Storms, High Winds & FloodingInland Flooding (primary); also designated: Strong Windno Public Assistance recorded
1972-04-051972-04-05DR-330-MIMajor disasterSevere Storm & FreezingWinter Weatherno Public Assistance recorded
1965-04-141965-04-14DR-190-MIMajor disasterTornadoes & Severe StormsTornadono Public Assistance recorded

County Public Assistance: applicants the FEMA record places in this county, including any state agencies FEMA files there; statewide rows are listed on the state page; federal share obligated, nominal dollars.

Statewide declarations

Source: 2

DeclaredIncident beganFEMA numberTypeTitleMapped hazard
1956-04-051956-04-05DR-53-MIMajor disasterTornadoTornado
1953-06-091953-06-09DR-6-MIMajor disasterTornadoTornado
1953-06-021953-06-02DR-4-MIMajor disasterTornadoTornado

FEMA recorded these with designated area Statewide and no county, so they are listed on every county page in the state and not counted with county rows. Local data needed: whether each one affected this county.

Previous occurrences by hazard, with explicit no-event rows

Sources: 2, 6, 7

HazardStorm Events records, all years on file(years in the Period column)Since plan approvalrecordsIn the 12 months before plan approvalrecordsLast 5 yearsrecordsDeclared incidents, all yearsseparate disastersDeclared since approvalseparate disastersPeriodStatement
Cold Wave0000001996 to 2026-06-30No recorded events, 1996 to 2026-06-30, NOAA NCEI Storm Events
Drought0000001996 to 2026-06-30No recorded events, 1996 to 2026-06-30, NOAA NCEI Storm Events
Earthquake000000Storm Events does not record earthquakes; the USGS earthquake catalog is the source.
Hail67106001955 to 2026-06-30
Heat Wave0000001996 to 2026-06-30No recorded events, 1996 to 2026-06-30, NOAA NCEI Storm Events
Hurricane0000001996 to 2026-06-30No recorded events, 1996 to 2026-06-30, NOAA NCEI Storm Events
Ice Storm5001001996 to 2026-06-30
Inland Flooding12000511996 to 2026-06-30
Landslide0000001996 to 2026-06-30No recorded events, 1996 to 2026-06-30, NOAA NCEI Storm Events
Lightning0000001996 to 2026-06-30No recorded events, 1996 to 2026-06-30, NOAA NCEI Storm Events
Strong Wind1406616101955 to 2026-06-30Includes 9 High Wind and 1 Strong Wind records.
Tornado26112511950 to 2026-06-30
Wildfire0000001996 to 2026-06-30No recorded events, 1996 to 2026-06-30, NOAA NCEI Storm Events
Winter Weather60106401996 to 2026-06-30Includes 1 Sleet record.

Notable Storm Events records

Sources: 1, 6, 7

DateEvent typeMagnitude or extentDamagenominal dollarsDeaths, injuriesdirect onlyLocationFlagsWhy listed
2023-08-24Thunderstorm Wind75 kt (86 mph) estimated gust$5,000,000 property; $0 crops (2023 dollars)0, 0GRAND LEDGE ARPTwithin last 5 yearsB1-c most damaging: Thunderstorm Wind
2017-03-08High Wind61 kt (70 mph) estimated gust$10,000,000 property; $0 crops (zone total, 2017 dollars)0, 0NWS zone MIZ066 (EATON), zone-levelB1-c worst recorded: High Wind and Strong Wind
2013-12-21Ice Storm$5,000,000 property; $0 crops (zone total, 2013 dollars)0, 0NWS zone MIZ066 (EATON), zone-levelB1-c worst recorded: Ice Storm
2013-04-17Flood$3,000,000 property; $0 crops (2013 dollars)0, 0WOODBURY to BELLEVUEB1-c worst recorded: Flash Flood, Flood, Lakeshore Flood
2011-11-29Winter Storm$1,000,000 property; $0 crops (zone total, 2011 dollars)0, 0NWS zone MIZ066 (EATON), zone-levelB1-c worst recorded: Winter Storm, Heavy Snow, Blizzard, Lake-Effect Snow, Winter Weather, Sleet
2008-06-08TornadoEF1, 9.74 mi within this county, 150 yd widedamage not reported1, 0NEEDMORE to BRETTON WOODSdeaths or injuries recorded
2007-08-24TornadoEF3, 6.5 mi within this county, 300 yd wide$40,000,000 property; $0 crops (2007 dollars)0, 5CHARLOTTE to POTTERVILLEdeaths or injuries recorded
2004-05-23Hail1.75 in$40,000 property; $40,000 crops (2004 dollars)0, 0CHARLOTTEB1-c worst recorded: Hail
2001-10-24Thunderstorm Wind90 kt (104 mph) estimated$1,000,000 property; $100,000 crops (2001 dollars)0, 0KALAMOB1-c worst recorded: Thunderstorm Wind
2001-09-09TornadoF1, 8 mi within this county, 300 yd wide$10,000,000 property; $100,000 crops (2001 dollars)0, 1POTTERVILLEdeaths or injuries recorded
2000-05-18Hail1.5 in$80,000 property; $40,000 crops (2000 dollars)0, 0CHARLOTTEB1-c most damaging: Hail
1977-04-02TornadoF4, 16.6 mi path length (whole path, pre-1996), 613 yd wide$2,500,000 property; crops not recorded (1977 dollars)1, 44location not recordeddeaths or injuries recorded

The full list is in the Excel file, sheet "B1-d Storm Events history" (310 rows).

Location is the place NOAA recorded, as written in its data; it need not be a jurisdiction in this plan.

Local data needed: state-declared emergencies, from your state emergency management agency (federal data do not include them).

Tribal and special-area declarations in this state are listed on the state page.

Supports FEMA checklist item B1-e: probability of future events

Probability: FEMA annualized frequency and descriptor per hazard

Sources: 5, 6

HazardFEMA annualized frequency (modeled)unit per rowUnitIn plain termsDescriptorDescriptor basisNRI events or days in its record period (hail, wind and tornado are area-weighted, so can be fractional)NRI periodLocationNote
Cold Wave2.11event-days per yearabout 2.11 days per yearStorm Events event-days in 0 of 30 years, 1996 to 2025 (0%)402005-11-12 to 2024-11-12 (19 years)countywideNo Storm Events cold wave record, 1996 to 2025.
Drought0event-days per yearnone modeledStorm Events event-days in 0 of 30 years, 1996 to 2025 (0%)02000 to 2025 (25.25 years; D3 and D4 only)countywideNo Storm Events drought record, 1996 to 2025
Earthquake0.000863annual probability at a locationchance a given location in the county has at least minor-damage shaking in a year: 0.0863%not shownmodeledsee B1-fNo descriptor (Storm Events does not record earthquakes).
Hail2.47events per yearabout 2.47 per yearHighly likelyFEMA annualized frequency (modeled)93.9 (modeled)1986 to 2023 (38 years)countywide
Heat Wave2.63event-days per yearabout 2.63 days per yearStorm Events event-days in 0 of 30 years, 1996 to 2025 (0%)382005-11-12 to 2024-11-12 (19 years)countywideNo Storm Events heat wave record, 1996 to 2025
Hurricane0.0173events per yearabout 1 in 58 yearsPossibleFEMA annualized frequency (modeled)61851 to 2024 (Atlantic)see B1-fNRI counts hurricane and tropical storm tracks passing within storm-force wind range; federal declarations are in B1-d.
Ice Storm1.53event-days per yearabout 1.53 days per yearLikelyStorm Events event-days in 5 of 30 years, 1996 to 2025 (16.7%)1031946-12-31 to 2014-02-12 (67 years)countywide
Inland Flooding0.429event-days per yearabout 0.429 days per yearLikelyStorm Events event-days in 9 of 30 years, 1996 to 2025 (30%)121996 to 2023 (28 years)see B1-f
Landslide0.102events per year (modeled)about 1 in 10 yearsLikelyFEMA annualized frequency (modeled)not shownmodeledsee B1-f
Lightning34.4days per year with a strikeabout 34.4 days per yearHighly likelyFEMA annualized frequency (modeled)not shown1995 to 2023 (29 years; CONUS)countywide
Strong Wind4.77events per yearabout 4.77 per yearHighly likelyFEMA annualized frequency (modeled)1821986 to 2023 (38 years)countywide
Tornado0.286events per yearabout 1 in 3 yearsLikelyFEMA annualized frequency (modeled)not shown1950 to 2023 (EF2+); 1986 to 2023 (EF0-1)see B1-f
Wildfire0.0000165annual probability at a locationchance a given location in the county burns in a year: 0.00165%Storm Events records in 0 of 30 years, 1996 to 2025 (0%)not shownmodeledsee B1-fNo descriptor: no Storm Events record 1996 to 2025
Winter Weather17.5event-days per yearabout 17.5 days per yearLikelyStorm Events event-days in 22 of 30 years, 1996 to 2025 (73.3%)3332005-11-12 to 2024-11-12 (19 years)countywide

FEMA annualized frequency (modeled) is the National Risk Index v1.20 (December 2025) estimate of how often a hazard affects this county in a year; it is not recorded events divided by years, and its unit differs by hazard (events, event-days, or days with a lightning strike per year). For earthquake, wildfire, coastal flooding and tsunami the value is the chance (or number of events) at a location in the county, not across the county, so no "1 in N years" is given and the descriptor comes from Storm Events where it has a record (none for earthquake). The Methods page gives each hazard's method, from FEMA's National Risk Index Technical Documentation v1.20.

Where NRI gives event-days, the descriptor comes from the share of years with a Storm Events record; NRI's source records more events, so the two differ.

Descriptor scale used in this packet (defined per unit)

Sources: 5, 6

UnitDescriptorDefinition
events per yearHighly likely1 or more per year
events per yearLikelyabout once in 1 to 10 years
events per yearPossibleabout once in 10 to 100 years
events per yearUnlikelyless than once in 100 years
annual probabilityLikely10% to under 100% chance in a given year
annual probabilityPossible1% to under 10% chance in a given year
annual probabilityUnlikelyunder 1% chance in a given year
event-days (share of years)Highly likelyevent-days recorded in 90% or more of years
event-days (share of years)Likelyevent-days recorded in 10% to under 90% of years
event-days (share of years)Possibleevent-days recorded in some years but under 10% of years
lightning strike-daysHighly likelycloud-to-ground strikes on 1 or more days per year

Intensity bands: historical frequency (Storm Events)

Source: 6

HazardBandYearsEventscounty-coded recordsYears in periodEvents per yearevents / years
Hail1.00-1.99 in1996 to 202517300.567
Hail2.00 in+1996 to 20250300
Thunderstorm Wind (counted as NRI Strong Wind)50-64 kt1996 to 202568302.27
Thunderstorm Wind (counted as NRI Strong Wind)65 kt+1996 to 202511300.367
Thunderstorm Wind (counted as NRI Strong Wind)unmeasured or below 50 kt1996 to 202518300.6
TornadoEF0-11996 to 20258300.267
TornadoEF2-31996 to 20251300.0333
TornadoEF4-51996 to 20250300
Tornadounrated (EFU)1996 to 20250300

The bands show how often events of each severity were recorded in this county, to profile how severe events have been (FEMA's probability item asks for the range of intensities).

Hail smaller than 1 inch is not counted: on 2010-01-05 the National Weather Service raised its severe-hail threshold from 3/4 inch to 1 inch, so smaller reports became less common after 2009 (NWS Service Change Notice 09-52). NRI hail frequency uses a 0.75 inch threshold.

Optional: future conditions. Not a required item in the 2025 FEMA Local Mitigation Planning Policy Guide; some states ask for it. The federal Climate Mapping for Resilience and Adaptation (CMRA) site gives county exposure to future climate conditions (https://resilience.climate.gov/).

Supports FEMA checklist item B1-f: hazards that vary across jurisdictions

Range of census tract risk within the county

Source: 5

HazardTractsrated of allNRI risk score, 0 to 100Tracts by rating
MinMedianMax
Cold Wave29 of 2936.261.772.4Relatively Moderate 27, Relatively Low 2
Drought0 of 29No Rating 29
Earthquake29 of 2912.526.752.8Relatively Low 2, Very Low 27
Hail29 of 2963.981.992.1Relatively High 1, Relatively Moderate 26, Relatively Low 2
Heat Wave29 of 294.915.424.9Relatively Low 10, Very Low 19
Hurricane29 of 2925.733.440.1Very Low 29
Ice Storm29 of 2940.268.986.5Relatively Moderate 14, Relatively Low 15
Inland Flooding29 of 298.347.079.9Relatively High 1, Relatively Moderate 13, Relatively Low 12, Very Low 3
Landslide29 of 2925.762.888.1Relatively Low 3, Very Low 26
Lightning29 of 2915.636.948.7Relatively Low 27, Very Low 2
Strong Wind29 of 2967.889.897.5Very High 1, Relatively High 23, Relatively Moderate 5
Tornado29 of 2953.975.993.5Very High 1, Relatively High 17, Relatively Moderate 11
Wildfire29 of 2930.052.863.2Very Low 29
Winter Weather29 of 2930.449.959.6Relatively Moderate 17, Relatively Low 12

Rated tracts only: No Rating (score 0.0), Not Applicable and Insufficient Data tracts are counted but not used for the minimum, median and maximum.

The score ranks a tract against all U.S. tracts (100 = highest). The rating is FEMA's category for the tract's risk value, computed differently, so the two can disagree.

Frequency data for cold wave, hail, heat wave, ice storm, lightning, strong wind and winter weather are county-wide or coarse (49 km grid or NWS zone), the same for every jurisdiction; the tract range mostly reflects where buildings and people are.

Each jurisdiction (starting figures from federal data)

Sources: 1, 3, 4, 6

JurisdictionTypePlan statusRepetitive lossFMA RL and SRL (44 CFR 77.2); repeat-flood, any definitionPublic Assistance to this jurisdictionFEMA records matched by applicant name; federal share obligated, nominal dollarsEvent records naming this placeall years; since its planNotes
Eaton CountyCountyApproved, expires 2030-06-17$55,755.430 total; 0 since its planAlso approved under plan 108837 (Tri-County HMP Update (Clinton, Eaton, Ingham), expires 2028-03-02). FEMA's plan status map shows one plan per jurisdiction and may show one of these; this packet uses the approved plan that expires last. No NFIP community ID on this jurisdiction's plan row. Includes $6,945.13 for declarations not counted as hazard incidents (DR-4494-MI, EM-3189-MI).
Bellevue villageVillageApproved, expires 2030-06-17FMA RL 0, SRL 0; any 0$3,239.4623 total; 0 since its plan
Charlotte cityCityApproved, expires 2030-06-17FMA RL 0, SRL 0; any 0$47,822.9031 total; 1 since its plan
Eaton Rapids cityCityApproved, expires 2030-06-17FMA RL 0, SRL 0; any 1$26,874.1018 total; 1 since its plan
Grand Ledge cityCityApproved, expires 2030-06-17FMA RL 0, SRL 0; any 0$104,557.6621 total; 0 since its planIncludes $53,064.81 for declarations not counted as hazard incidents (DR-4494-MI).
Lansing cityCityExpired on 2024-01-30FMA RL 0, SRL 0; any 4no Public Assistance recorded3 total; 0 since its planWhole community, including the part in Ingham County; none of its repeat-flood properties are in this county.
Olivet cityCityApproved, expires 2030-06-17FMA RL 0, SRL 0; any 0$5,262.754 total; 0 since its plan
Potterville cityCityApproved, expires 2030-06-17FMA RL 0, SRL 0; any 0$4,621.496 total; 0 since its plan
Bellevue townshipTownshipApproved, expires 2030-06-17FMA RL 0, SRL 0; any 0no Public Assistance recorded23 total; 0 since its plan
Benton townshipTownshipApproved, expires 2030-06-17FMA RL 0, SRL 0; any 0no Public Assistance recorded0 total; 0 since its plan
Brookfield townshipTownshipPlan 108837 approved 2023-03-03, pending adoption here; not yet eligibleFMA RL 0, SRL 0; any 0no Public Assistance recorded5 total; no approved plan
Delta charter townshipTownshipApproved, expires 2028-03-02FMA RL 0, SRL 0; any 2no Public Assistance recorded0 total; 0 since its plan
Eaton townshipTownshipPlan 110781 approved 2025-06-18, pending adoption here; not yet eligibleFMA RL 0, SRL 0; any 0no Public Assistance recorded0 total; no approved plan
Hamlin townshipTownshipPlan 108837 approved 2023-03-03, pending adoption here; not yet eligibleFMA RL 0, SRL 0; any 0$2,264.190 total; no approved plan
Oneida charter townshipTownshipPlan 108837 approved 2023-03-03, pending adoption here; not yet eligibleFMA RL 0, SRL 0; any 0no Public Assistance recorded0 total; no approved plan

Repetitive-loss counts are for whole NFIP communities, which can extend beyond this county (see the note in B2-c).

County Public Assistance in B1-d also includes applicants filed under the county that are not jurisdictions in this plan (for example state agencies, special districts and nonprofits), so the jurisdiction rows add up to less.

Supports FEMA checklist items B2-a and B2-b: vulnerability and potential impacts

Local data needed

The table below gives county-level starting figures; the plan describes impacts for each jurisdiction and its own assets.

  • Critical facilities and lifelines per hazard
  • A problem statement per jurisdiction per hazard
  • Changes in development in hazard-prone areas since the last approval, or a statement of none (E1-a)
  • Future assets

County-level starter: exposure, expected annual loss and damage since the plan

Sources: 1, 2, 3, 5, 6, 7

HazardBuilding exposuremodeled dollarsAgriculture exposuremodeled dollarsPopulation exposedpeopleEAL buildingsmodeled dollars per yearEAL agriculturemodeled dollars per yearCost of expected deaths and injuriesFEMA's dollar value per year, not property damageEAL as % of exposurebuildings; agriculture where notedStorm Events damage since 2025-06-18county-coded records, property plus crops, nominal dollarsZone-level damage since planproperty plus crops, reported for the zonePublic Assistance since plannominal dollars; see noteNote
Cold Wave$25,006,319,790$107,269,499109,033$1,119$36,028$2,237,511under 0.0001%
Droughtn/a$0n/an/a$0n/aagriculture exposure is 0 in NRI
Earthquake$43,703,492,965n/a109,175$259,581n/a$70,4140.000594%
Hail$25,006,319,790$107,269,499109,033$1,281,389$31,750$32,8860.00512%$0
Heat Wave$25,006,319,790$107,269,499109,033$5,089$1$322,820under 0.0001%
Hurricane$24,997,337,800$106,877,426108,981$23,249$5,127$61under 0.0001%
Ice Storm$25,006,319,790n/a109,033$254,406n/a$30,9500.00102%
Inland Flooding$24,989,226,708$3,463,9961,981$16,016,194$18,038$4,378n/a (see note)$57,713.48NRI counts the full building value of any census block with some flood loss; this is not the value of buildings in the floodplain. Use local FIRM overlays for B2-a/B2-b.
Landslide$122,367,304n/a534$196n/a$9940.00016%
Lightning$25,006,319,790n/a109,033$21,570n/a$187,282under 0.0001%
Strong Wind$25,006,319,790$107,269,499109,033$2,124,663$72,754$506,0110.0085%
Tornado$25,006,319,790$107,269,499109,033$4,114,033$3,102$2,276,7340.0165%$57,713.48
Wildfire$8,230,494,253$28,029,29940,127$9,523$4$9890.000116%
Winter Weather$25,006,319,790$107,269,499109,033$20,053$619$53,221under 0.0001%$0

Totals since 2025-06-18 (Storm Events through 2026-06-30): 8 county-coded records, 1 with a damage value recorded (including $0), $0; 1 zone-level records, 1 with a damage value recorded (including $0), $0 reported for the zone; Public Assistance: $57,713.48 on 1 counted declaration.

FEMA does not split Public Assistance by hazard. A declaration mapped to several hazards is listed under each of them with its full amount, so the per-hazard column does not add up to the total; the unit total counts each declaration once.

NRI computes earthquake exposure on its own basis, so it exceeds the county building value in B2-a.

Supports FEMA checklist item B2-a: vulnerability (county context)

County context

Source: 5

MeasureValue
Population109,033
Building value (total, not at risk)$25,006,319,790
Agriculture value (total, not at risk)$107,269,499
NRI risk rating (all hazards)Relatively Low
Expected annual loss, buildings and agriculture, all hazards$24,298,487
Expected annual loss, population equivalence, all hazards (NRI values each statistical life at $13.7M; a modeled value of expected deaths and injuries, not property damage)$5,724,249
Social vulnerability ratingRelatively Low
Community resilience ratingVery High
NRI versionDecember 2025

FEMA's all-hazard expected annual loss adds buildings, agriculture and population equivalence; this table gives the property part and the population-equivalence part as separate rows.

Social vulnerability: higher means people are more likely to be harmed and slower to recover. Community resilience: lower means the community is less able to recover. High social vulnerability and low resilience both raise the NRI risk rating.

Supports FEMA checklist item B2-c: repetitive loss properties

Repetitive loss in this county, both definitions

Sources: 1, 4

DefinitionPropertiesSevere repetitive lossProperties
Repetitive loss, FMA definition (44 CFR 77.2)0Severe repetitive loss, FMA definition (44 CFR 77.2)0
Repetitive loss, NFIP insurance definition13Severe repetitive loss, NFIP insurance definition0

The state NFIP coordinator's list, the source FEMA's Handbook names, often uses the NFIP insurance definition (second row).

Repeat-flood properties: county and state-level rows

Sources: 1, 4

ScopeRL, FMApropertiesSRL, FMApropertiesRL, NFIPpropertiesSRL, NFIPpropertiesAny categorypropertiesMitigatedpropertiesCurrently insuredproperties
County total001301306
of which: Delta charter township0020200
of which: Eaton Rapids city0010100
of which: Windsor charter township (community ID not in plan data)0090905
of which: Eaton Rapids township (community ID not in plan data)0010101
Statewide, no county in FEMA's file0040400

The statewide row counts properties FEMA's file gives with no county in this state; they are listed for reference and are not in this county's counts.

Repeat-flood properties by jurisdiction in the plan (NFIP community)

Sources: 1, 4

JurisdictionNFIP community IDRL, FMApropertiesSRL, FMApropertiesRL, NFIPpropertiesSRL, NFIPpropertiesAny categorypropertiesMitigatedpropertiesCurrently insuredpropertiesNote
Bellevue village2605660000000
Charlotte city2600650000000
Eaton Rapids city2600670010100
Grand Ledge city2600680000000
Lansing city2600900040403Whole community, including the part in Ingham County; none of its repeat-flood properties are in this county.
Olivet city2600690000000
Potterville city2607110000000
Bellevue township2612390000000
Benton township2611850000000
Brookfield township2611860000000
Delta charter township2600660020200
Eaton township2611880000000
Hamlin township2611890000000
Oneida charter township2600700000000

Counts by occupancy group for each jurisdiction are in the Excel file, sheet "B2-c Jurisdictions".

Jurisdiction rows are whole NFIP communities and need not add up to the county total: a community that extends into another county is counted in full on each jurisdiction row, while the county table counts only its part in this county.

County repeat-flood properties by occupancy group

Sources: 1, 4

Occupancy groupRL, FMApropertiesSRL, FMApropertiesRL, NFIPpropertiesSRL, NFIPpropertiesAny categorypropertiesMitigatedpropertiesCurrently insuredproperties
single-family residential001201206
2 to 4 unit residential0000000
other residential0000000
non-residential0010100
not reported0000000

FEMA's occupancy groups have no institutional class; institutional properties are counted in non-residential or other residential in the table by occupancy group.

FMA RL and FMA SRL are the Flood Mitigation Assistance definitions (44 CFR 77.2), the ones the FEMA Local Mitigation Planning Policy Guide cites. NFIP repetitive loss (the FEMA insurance definition) is 2 or more claims over $1,000 in 10 years, and a property can leave that group once it is mitigated. Also shown: NFIP severe repetitive loss, any category, mitigated and currently insured. The Methods page gives the OpenFEMA field details.

Counts are aggregates of FEMA's public NFIP Multiple Loss Properties file (FEMA's data date 2026-08-02; file version 2026-08-04). No property is identified. County assignment is FEMA's geocode.

In this county 0 properties are FMA repetitive loss but not NFIP repetitive loss, and 13 properties are NFIP repetitive loss but not FMA repetitive loss.

Exact counts; no count suppression.

Sources

Tables cite these sources by number. The full list, for the plan's bibliography (FEMA review item A4-a):

  1. FEMA, OpenFEMA HazardMitigationPlanStatuses v1, version 2026-09-29T134039Z, pulled 2026-09-30, https://www.fema.gov/api/open/v1/HazardMitigationPlanStatuses (API)
  2. FEMA, OpenFEMA DisasterDeclarationsSummaries v2, version 2026-09-29T162832Z, pulled 2026-09-30, https://www.fema.gov/api/open/v2/DisasterDeclarationsSummaries (API)
  3. FEMA, OpenFEMA PublicAssistanceFundedProjectsSummaries v1, version 2026-09-29T150754Z, pulled 2026-09-30, https://www.fema.gov/api/open/v1/PublicAssistanceFundedProjectsSummaries (API)
  4. FEMA, OpenFEMA NfipMultipleLossProperties v1, version 2026-08-04T164045Z, pulled 2026-09-30, https://www.fema.gov/api/open/v1/NfipMultipleLossProperties (API)
  5. FEMA, FEMA National Risk Index 1.20.0 (December 2025), county and census tract tables, version 1.20.0, pulled 2026-09-30, https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_Counties.zip (download, 25 MB), https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_CensusTracts.zip (download, 635 MB)
  6. NOAA NCEI, NOAA NCEI Storm Events Database, details files (csvfiles v1.0), version c20260918, pulled 2026-09-30, https://www.ncei.noaa.gov/pub/data/swdi/stormevents/csvfiles/
  7. NOAA National Weather Service, NWS county-public forecast zones correlation file, version bp03mr20 to bp16ap26 (11 files; newest bp16ap26), pulled 2026-09-30, https://www.weather.gov/gis/ZoneCounty
  8. U.S. Census Bureau, Census 2024 Gazetteer, 2020 place by county, CT county-to-cousub crosswalk, version 2024-gazetteer, pulled 2026-09-30, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_counties_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_cousubs_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_place_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_unsd_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_elsd_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_scsd_national.zip, https://www2.census.gov/geo/docs/reference/codes2020/national_place_by_county2020.txt, https://www2.census.gov/geo/docs/reference/ct_change/ct_cou_to_cousub_crosswalk.xlsx (used to match place names and codes; no table prints its values)

What this packet is and what the plan adds

This packet is the federal data for the plan's risk assessment (the summary on page 1 says how it is organized); the plan and FEMA's review decide whether each item is met.

The plan adds what only the community has: local data on assets, critical facilities, development and each jurisdiction's impacts; local hazard history, including state-declared emergencies; the mitigation strategy; and adoption.

How the federal data are built: National Risk Index values are FEMA's model, not counts of events. Storm Events is more complete from 1996; zone-level records are placed by forecast zone, not by location in the county. Public Assistance for a jurisdiction is matched by applicant name. The Methods page gives every rule and the known edge cases.

OpenFEMA disclaimer

This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).

Reuse, citation and corrections

Reuse and citation: Hazard Plain text and tables are licensed under Creative Commons Attribution 4.0 International (CC BY 4.0, https://creativecommons.org/licenses/by/4.0/); credit Hazard Plain and the release. The underlying federal data are public domain; OpenFEMA data are also subject to the OpenFEMA terms and conditions.

Cite this: Hazard Plain (2026). Eaton County, MI: risk-assessment baseline packet, release 2026-10 (data as of 2026-09-30; County FIPS 26045). Automated baseline. https://hazardplain.org/mi/26045/ Built from FEMA OpenFEMA, the FEMA National Risk Index and NOAA NCEI Storm Events; source versions in the packet's Sources list.

Corrections: to report an error, name the packet, the table and what your records show. Contact: [email protected]