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Three Lakes CDP, MI

ZIP 49861 — Climate & Environment

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Climate, disaster risk, air quality, and environmental safety

Environment & Risk in ZIP Code 49861

Disaster Risk (FEMA NRI)

County-linked natural hazard risk from FEMA National Risk Index — useful for comparing insurance and disaster exposure.

FEMA’s National Risk Index rates natural-hazard risk for Three Lakes CDP, MI as Very Low (composite score 10.7), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (15.1) and flood (13.3). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Overall rating
Very Low
Risk index
10.7
Flood risk
13.3
Wildfire risk
15.1
Hurricane risk
0.0
Earthquake risk
0.0
Tornado risk
6.3
Winter weather risk
49.8
Hail risk
68.9

Climate & Weather in ZIP Code 49861

Climate normals for Three Lakes CDP, MI show little to no average snow. Pair that with FEMA NRI hazard context (overall rating Very Low) when evaluating long-term housing and insurance exposure.

7-day weather forecast

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Sunrise, sunset & moon

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Monthly Temperature

30-year climate normals (avg. monthly temperature)

Climate Data
Hardiness Zone
4a
Annual Snow Days
0
Annual Precipitation
0 in
FEMA NRI rating
Very Low

Climate & Environment key statistics

Climate statistics
Climate
Hardiness zone4a
Annual precip (in)0
Snow days0
Broadband access72.8%
Risk & Air Quality statistics
Risk & Air Quality
NRI ratingVery Low
NRI risk index10.7
Flood risk (NRI)13.3
Wildfire risk (NRI)15.1
Hurricane risk (NRI)0.0
IRS net migration21