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Natural hazards · Cadillac

Cadillac, MI natural hazards

Most of the natural-hazard damage FEMA expects in Cadillac comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 5 claims here since 2008. 2 federal disasters brought FEMA money into town.

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

How exposed is Cadillac?

8
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cadillac to be higher than in 8% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding49%Cold waves26%Strong wind7%Tornadoes6%Winter weather6%Everything else6%
By hazard

What Cadillac faces

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

Inland flooding

49% of expected damage
Well below average · higher than 23% of U.S. places
Recorded about once every 3 years in the area

Cold waves

26% of expected damage
Below average · higher than 31% of U.S. places
Recorded about once a year in the area

Strong wind

7% of expected damage
Well above average · higher than 88% of U.S. places
Recorded about once a year in the area

Tornadoes

6% of expected damage
Above average · higher than 50% of U.S. places

Winter weather

6% of expected damage
Above average · higher than 58% of U.S. places
Recorded about 27 times a year in the area

Lower here

HurricanesHailIce stormsHeat wavesWildfireEarthquakesLandslidesLightning

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 Cadillac flood?

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

5paid claims since 2008
$202Kpaid to owners
0homes flooded more than once
20082026

Biggest named events

  • 2026-04-Flooding: 4 claims, $196K
of all homes
are insured
No community discount. Cadillac isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Wexford County.
Disasters that hit Cadillac

2 federal disasters brought FEMA money here

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

Brought FEMA money into CadillacDeclared for Wexford County only
2026

Severe Storms, Tornadoes, and Flooding

182 households applied for aid $1.6M aid approved
2008

Severe Storms, Tornadoes, and Flooding

$29K to the City of Cadillac for repairs
Wexford County has had 5 natural disasters declared since 1953, most often floods and severe storms.
Around Cadillac

Cadillac and the towns around it

Haring: Very low, mostly inland floodingClam Lake: Very low, mostly inland floodingCherry Grove: Low, mostly inland floodingSelma: Low, mostly inland floodingLake: Very low, mostly inland floodingCedar Creek: Very low, mostly inland floodingSherman: Very low, mostly inland floodingRichland: Very low, mostly inland floodingHenderson: Very low, mostly inland floodingCadillac: Very low, mostly inland flooding CadillacHaringClam LakeCherry Grove
Very lowLowModerateHighVery high
Cherry Grovemostly inland floodingLow
Cadillacmostly inland floodingVery low
Haringmostly inland floodingVery low
Clam Lakemostly 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. Cadillac covers 4 census tracts, combined by population.
Money that reached townFlood claims are matched to Cadillac’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Cadillac. 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 Cadillac total about $4.3M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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