Natural hazards · Boyne

Boyne, MI natural hazards

Most of the natural-hazard damage FEMA expects in Boyne comes from cold waves, and overall the risk is very low for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Boyne?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Boyne to be higher than in 2% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves47%Inland flooding41%Everything else12%

By hazard

What Boyne faces

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

Cold waves

47% of expected damage

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

Recorded about once a year in the area

Inland flooding

41% of expected damage

Well below average · higher than 10% of U.S. places

Recorded about once every 7 years in the area

Lower here

HurricanesTornadoesHailIce 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 Boyne flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Charlevoix County.

Disasters that hit Boyne

2 federal disasters brought FEMA money here

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

Brought FEMA money into BoyneDeclared for Charlevoix County only

2026

Severe Storms, Tornadoes, and Flooding

16 households applied for aid $69K aid approved

2025

Severe Winter Storm

$55K to the City of Boyne for repairs

Charlevoix County has had 6 natural disasters declared since 1953, most often floods and ice storms.

Around Boyne

Boyne and the towns around it

Very lowLowModerateHighVery high

Boyne Valleymostly inland floodingVery low

Wilsonmostly inland floodingVery low

Evangelinemostly inland floodingVery low

Evelinemostly inland floodingVery low

Boyne Citymostly cold wavesVery 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. Boyne covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Boyne’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Boyne. 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 Boyne total about $688K 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.