Natural hazards · Caldwell

Caldwell, MI natural hazards

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

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

Expected damage

How exposed is Caldwell?

Very low

vs. U.S. communities

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

Inland flooding47%Cold waves24%Strong wind9%Tornadoes9%Everything else12%

By hazard

What Caldwell faces

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

Inland flooding

47% of expected damage

Well below average · higher than 19% of U.S. places

Recorded about once every 9 years in the area

Cold waves

24% of expected damage

Below average · higher than 42% of U.S. places

Recorded about 2 times a year in the area

Strong wind

9% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about once a year in the area

Tornadoes

9% of expected damage

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

Lower here

HurricanesHailIce stormsWinter weatherHeat 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 Caldwell flood?

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

Disasters that hit Caldwell

Federal disasters declared here

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

Brought FEMA money into CaldwellDeclared for Missaukee County only

Missaukee County has had 5 natural disasters declared since 1953, most often floods and severe storms.

Around Caldwell

Caldwell and the towns around it

Very lowLowModerateHighVery high

Bloomfieldmostly inland floodingLow

Forestmostly inland floodingVery low

Cedar Creekmostly inland floodingVery low

Caldwellmostly inland floodingVery low

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. Caldwell 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 Caldwell’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Caldwell. 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.