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 very low for a U.S. community. Flood insurance has paid 7 claims here since 1986.

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

Expected damage

How exposed is Baldwin?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Baldwin to be higher than in 14% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding60%Cold waves18%Tornadoes6%Strong wind5%Everything else11%

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

60% of expected damage

Below average · higher than 35% of U.S. places

Recorded about once every 6 years in the area

Cold waves

18% of expected damage

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

Recorded about 2 times a year in the area

Tornadoes

6% of expected damage

Below average · higher than 44% of U.S. places

Strong wind

5% of expected damage

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

Recorded about once 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 Baldwin flood?

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

7paid claims since 1986

$252Kpaid to owners

0homes flooded more than once

19862026

of homes in flood zones
are insured

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: Iosco County.

Disasters that hit Baldwin

Federal disasters declared here

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

Brought FEMA money into BaldwinDeclared for Iosco County only

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

Around Baldwin

Baldwin and the towns around it

Very lowLowModerateHighVery high

Au Sablemostly inland floodingLow

Tawasmostly inland floodingLow

Tawas Citymostly inland floodingLow

Baldwinmostly inland floodingVery low

East Tawasmostly inland floodingVery low

Wilbermostly 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 covers 2 census tracts, combined by population.

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.

FEMA’s expected losses across Baldwin total about $1.9M 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.