Natural hazards · Capac

Capac, MI natural hazards

Most of the natural-hazard damage FEMA expects in Capac comes from inland flooding, and overall the risk is 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 Capac?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Capac to be higher than in 20% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding40%Cold waves26%Tornadoes22%Strong wind6%Everything else6%

By hazard

What Capac faces

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

Inland flooding

40% of expected damage

Below average · higher than 28% of U.S. places

Recorded about once a year in the area

Cold waves

26% of expected damage

Above average · higher than 51% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

22% of expected damage

Well above average · higher than 79% of U.S. places

Strong wind

6% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 5 times a year in the area

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 Capac flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: St. Clair County.

Disasters that hit Capac

1 federal disaster brought FEMA money here

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

Brought FEMA money into CapacDeclared for St. Clair County only

2000

Snow

$7K to the Village of Capac for repairs

St. Clair County has had 9 natural disasters declared since 1953, most often severe storms and floods.

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. Capac covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Capac’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Capac. 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 Capac total about $474K 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.