I live in Traverse City and the city is home to 2 large Lk Michigan bays... In the last 10yrs there are at least 2 actual surf shops that opened up and guys/girls surf Lk Michigan on a regular basis now.. Frankfort is about 45min away on Lk Michigan and you will see people surfing/body surfing a lot in the summer especially when tje winds pick up... But the crazy ones get out in late fall and through winter when it gets down right nasty out on the lakes.. If you want to check out some really dedicated surfers just you tube Lk Superior Surfing.. Anyone that surfs in Florida/Cali/Hawaii etc will roll an eye until they watch what these guys will put themselves through to get the best waves they can... Almost everyone is amazed....