Natural hazards · Alcona

Alcona, MI natural hazards

Most of the natural-hazard damage FEMA expects in Alcona comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2026.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Alcona?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Alcona to be higher than in 54% of U.S. communities, mostly from inland flooding.

Inland flooding86%Cold waves7%Everything else8%

By hazard

What Alcona faces

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

Inland flooding

86% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about once every 7 years in the area

Cold waves

7% of expected damage

Below average · higher than 48% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic activity

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 Alcona flood?

Every paid claim on a federal flood insurance policy in Alcona, from FEMA’s records.

1paid claims since 2026

$19Kpaid to owners

0homes flooded more than once

20262026

Biggest named events

2026-04-Flooding: 1 claim, $19K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Alcona isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Alcona County.

Disasters that hit Alcona

Federal disasters declared here

None of the disasters declared for Alcona County shows FEMA aid or repair money reaching Alcona itself in FEMA’s records.

Brought FEMA money into AlconaDeclared for Alcona County only

Alcona County has had 7 natural disasters declared since 1953, most often floods and winter storms.

Around Alcona

Alcona and the towns around it

Very lowLowModerateHighVery high

Alconamostly inland floodingModerate

Caledoniamostly inland floodingLow

Mitchellmostly inland floodingLow

Hawesmostly inland floodingVery low

Haynesmostly inland floodingVery low

Sanbornmostly inland floodingVery low

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Alcona covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Alcona’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Alcona. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Alcona total about $1.4M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); 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. Census tracts: U.S. Census Bureau.