Natural hazards · Algonac

Algonac, MI natural hazards

Most of the natural-hazard damage FEMA expects in Algonac comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 85 claims here since 1980. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Algonac?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Algonac to be higher than in 52% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding59%Cold waves23%Tornadoes12%Everything else7%

By hazard

What Algonac faces

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

Inland flooding

59% of expected damage

Above average · higher than 74% of U.S. places

Recorded about once a year in the area

Cold waves

23% of expected damage

Above average · higher than 51% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

12% of expected damage

Above average · higher than 62% of U.S. places

Lower here

HurricanesHailIce 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 Algonac flood?

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

85paid claims since 1980

$733Kpaid to owners

8homes flooded more than once

19802026

Homes that flooded again and again

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: St. Clair County.

Disasters that hit Algonac

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Algonac itself: aid to households, or repair grants to the City of Algonac.

Brought FEMA money into AlgonacDeclared for St. Clair County only

2000

Snow

$5K to the City of Algonac for repairs

St. Clair County has had 9 natural disasters declared since 1953, most often severe storms and floods.

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. Algonac covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Algonac’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Algonac. 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 Algonac total about $1.2M 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.