Natural hazards · Caro

Caro, MI natural hazards

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

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Caro to be higher than in 68% of U.S. communities, mostly from inland flooding.

Inland flooding64%Cold waves15%Tornadoes10%Strong wind7%Everything else5%

By hazard

What Caro faces

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

Inland flooding

64% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once a year in the area

Cold waves

15% of expected damage

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

Recorded about 3 times a year in the area

Tornadoes

10% of expected damage

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

Strong wind

7% of expected damage

Well above average · higher than 98% 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 Caro flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Tuscola County.

Disasters that hit Caro

1 federal disaster brought FEMA money here

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

Brought FEMA money into CaroDeclared for Tuscola County only

2000

Snow

$10K to the City of Caro for repairs

Tuscola County has had 10 natural disasters declared since 1953, most often floods and winter storms.

Around Caro

Caro and the towns around it

Very lowLowModerateHighVery high

Almermostly inland floodingHigh

Caromostly inland floodingHigh

Indianfieldsmostly inland floodingHigh

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