Natural hazards · Cass

Cass, MI natural hazards

Most of the natural-hazard damage FEMA expects in Cass 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 Cass?

High

vs. U.S. communities

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

Inland flooding70%Cold waves16%Everything else14%

By hazard

What Cass faces

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

Inland flooding

70% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about once a year in the area

Cold waves

16% of expected damage

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

Recorded about 3 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Cass flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Cass 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 Cass

1 federal disaster brought FEMA money here

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

Brought FEMA money into CassDeclared for Tuscola County only

2000

Snow

$4K to the Village of Cass for repairs

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

Around Cass

Cass and the towns around it

Very lowLowModerateHighVery high

Novestamostly inland floodingHigh

Cass Citymostly inland floodingHigh

Elklandmostly 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. Cass 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 Cass’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Cass. 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.