Natural hazards · Baldwin

Baldwin, MI natural hazards

Most of the natural-hazard damage FEMA expects in Baldwin comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Baldwin?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Baldwin to be higher than in 48% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding59%Cold waves27%Hail5%Everything else8%

By hazard

What Baldwin 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 72% of U.S. places

Recorded about once every 2 years in the area

Cold waves

27% of expected damage

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

Recorded about 4 times a year in the area

Hail

5% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about once a year in the area

Lower here

Coastal floodingTornadoesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

HurricanesAvalanchesTsunamisVolcanic 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 Baldwin flood?

FEMA's records show no paid flood insurance claims in Baldwin.

of all homes
are insured

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

Insurance rates: Delta County.

Disasters that hit Baldwin

Federal disasters declared here

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

Brought FEMA money into BaldwinDeclared for Delta County only

Delta County has had 4 natural disasters declared since 1953, most often hurricanes and freezes.

Around Baldwin

Baldwin and the towns around it

Very lowLowModerateHighVery high

Baldwinmostly inland floodingModerate

Cornellmostly inland floodingModerate

Maple Ridgemostly inland floodingModerate

Masonvillemostly inland floodingLow

Ewingmostly inland floodingLow

Escanabamostly inland floodingVery low

Bramptonmostly 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. Baldwin is smaller than a census tract, so it shares the figures of the tract around its center.

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

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.