Natural hazards · Arenac

Arenac, MI natural hazards

Most of the natural-hazard damage FEMA expects in Arenac comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 20 claims here since 1985.

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

Expected damage

How exposed is Arenac?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Arenac to be higher than in 36% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding57%Cold waves16%Tornadoes9%Strong wind8%Everything else10%

By hazard

What Arenac faces

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

Inland flooding

57% of expected damage

Above average · higher than 57% of U.S. places

Recorded about once every 2 years in the area

Cold waves

16% of expected damage

Below average · higher than 49% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

9% of expected damage

Above average · higher than 66% of U.S. places

Recorded about once every 56 years in the area

Strong wind

8% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 2 times a year in the area

Lower here

Coastal floodingHurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 Arenac flood?

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

20paid claims since 1985

$509Kpaid to owners

3homes flooded more than once

19852026

Biggest named events

2026-04-Flooding: 1 claim, $41K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Arenac County.

Disasters that hit Arenac

Federal disasters declared here

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

Brought FEMA money into ArenacDeclared for Arenac County only

Arenac County has had 9 natural disasters declared since 1953, most often floods and winter storms.

Around Arenac

Arenac and the towns around it

Very lowLowModerateHighVery high

Arenacmostly inland floodingLow

Deep Rivermostly inland floodingLow

Au Gresmostly inland floodingLow

Claytonmostly inland floodingLow

Standishmostly inland floodingLow

Masonmostly 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. Arenac covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Arenac’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Arenac. 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 Arenac total about $1.0M 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.