Natural hazards · Caspian

Caspian, MI natural hazards

Most of the natural-hazard damage FEMA expects in Caspian comes from cold waves, and overall the risk is very 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 Caspian?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Caspian to be higher than in 14% of U.S. communities, mostly from cold waves.

Cold waves82%Inland flooding12%Everything else7%

By hazard

What Caspian faces

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

Cold waves

82% of expected damage

Above average · higher than 63% of U.S. places

Recorded about 6 times a year in the area

Inland flooding

12% of expected damage

Below average · higher than 25% of U.S. places

Recorded about once every 2 years in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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 Caspian flood?

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

of all homes
are insured

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

Insurance rates: Iron County.

Disasters that hit Caspian

1 federal disaster brought FEMA money here

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

Brought FEMA money into CaspianDeclared for Iron County only

2002

Flooding

$29K to the City of Caspian for repairs

Iron County has had 5 natural disasters declared since 1953, most often floods and hurricanes.

Around Caspian

Caspian and the towns around it

Very lowLowModerateHighVery high

Caspianmostly cold wavesVery low

Stambaughmostly cold wavesVery low

Gaastramostly cold wavesVery low

Iron Rivermostly cold wavesVery 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. Caspian 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 Caspian’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Caspian. 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.