Natural hazards · Charlevoix

Charlevoix, MI natural hazards

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

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Charlevoix to be higher than in 0% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves48%Inland flooding38%Everything else14%

By hazard

What Charlevoix faces

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

Cold waves

48% of expected damage

Below average · higher than 48% of U.S. places

Recorded about once a year in the area

Inland flooding

38% of expected damage

Well below average · higher than 3% of U.S. places

Recorded about once every 7 years in the area

Lower here

Coastal floodingHurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 Charlevoix flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Charlevoix County.

Disasters that hit Charlevoix

2 federal disasters brought FEMA money here

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

Brought FEMA money into CharlevoixDeclared for Charlevoix County only

2026

Severe Storms, Tornadoes, and Flooding

41 households applied for aid $284K aid approved

2025

Severe Winter Storm

$246K to the City of Charlevoix for repairs

Charlevoix County has had 6 natural disasters declared since 1953, most often floods and ice 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. Charlevoix covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Charlevoix’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Charlevoix. 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 Charlevoix total about $560K 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.