Natural hazards · Algoma

Algoma, MI natural hazards

Most of the natural-hazard damage FEMA expects in Algoma comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 14 claims here since 1986.

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

Expected damage

How exposed is Algoma?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Algoma to be higher than in 35% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding66%Tornadoes16%Strong wind6%Everything else12%

By hazard

What Algoma faces

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

Inland flooding

66% of expected damage

Above average · higher than 59% of U.S. places

Recorded about once a year in the area

Tornadoes

16% of expected damage

Above average · higher than 73% of U.S. places

Strong wind

6% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightning

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 Algoma flood?

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

14paid claims since 1986

$270Kpaid to owners

3homes flooded more than once

19862026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of all homes
are insured

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

Insurance rates: Kent County.

Disasters that hit Algoma

Federal disasters declared here

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

Brought FEMA money into AlgomaDeclared for Kent County only

Kent County has had 11 natural disasters declared since 1953, most often floods and severe storms.

Around Algoma

Algoma and the towns around it

Very lowLowModerateHighVery high

Plainfieldmostly inland floodingLow

Algomamostly inland floodingLow

Rockfordmostly inland floodingLow

Spartamostly inland floodingLow

Courtlandmostly inland floodingLow

Solonmostly 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. Algoma covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Algoma’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Algoma. 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 Algoma total about $3.3M 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.