Natural hazards · Carleton

Carleton, MI natural hazards

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

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Carleton to be higher than in 38% of U.S. communities, mostly from inland flooding.

Inland flooding61%Tornadoes14%Cold waves10%Strong wind6%Everything else9%

By hazard

What Carleton faces

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

Inland flooding

61% of expected damage

Above average · higher than 55% of U.S. places

Recorded about once a year in the area

Tornadoes

14% of expected damage

Well above average · higher than 77% of U.S. places

Cold waves

10% of expected damage

Above average · higher than 58% of U.S. places

Recorded about 3 times a year in the area

Strong wind

6% of expected damage

Well above average · higher than 90% 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 Carleton flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Monroe County.

Disasters that hit Carleton

2 federal disasters brought FEMA money here

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

Brought FEMA money into CarletonDeclared for Monroe County only

2023

Severe Storms, Tornadoes, and Flooding

87 households applied for aid $362K aid approved

1999

Mi - Severe Weather 1/2 /99

$5K to the Village of Carleton for repairs

Monroe County has had 8 natural disasters declared since 1953, most often floods and winter 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. Carleton 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 Carleton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Carleton. 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.