Natural hazards · Boyne Falls

Boyne Falls, MI natural hazards

Most of the natural-hazard damage FEMA expects in Boyne Falls comes from inland flooding, and overall the risk is very low for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Boyne Falls?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Boyne Falls to be higher than in 16% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding52%Cold waves39%Everything else9%

By hazard

What Boyne Falls faces

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

Inland flooding

52% of expected damage

Below average · higher than 43% of U.S. places

Recorded about once every 7 years in the area

Cold waves

39% of expected damage

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

Recorded about once a year 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 Falls flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Boyne Falls 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 Falls

1 federal disaster brought FEMA money here

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

Brought FEMA money into Boyne FallsDeclared for Charlevoix County only

2026

Severe Storms, Tornadoes, and Flooding

6 households applied for aid $63K aid approved

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

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 Falls 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 Boyne Falls’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Boyne Falls. 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.