Natural hazards · Cheboygan

Cheboygan, MI natural hazards

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

Low

vs. U.S. communities

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

Inland flooding82%Cold waves14%Everything else5%

By hazard

What Cheboygan faces

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

Inland flooding

82% of expected damage

Above average · higher than 70% of U.S. places

Recorded about once every 9 years in the area

Cold waves

14% of expected damage

Above average · higher than 51% of U.S. places

Recorded about 2 times a year 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 Cheboygan flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Cheboygan County.

Disasters that hit Cheboygan

2 federal disasters brought FEMA money here

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

Brought FEMA money into CheboyganDeclared for Cheboygan County only

2026

Severe Storms, Tornadoes, and Flooding

101 households applied for aid $958K aid approved

2025

Severe Winter Storm

$548K to the City of Cheboygan for repairs

Cheboygan County has had 6 natural disasters declared since 1953, most often floods and ice storms.

Around Cheboygan

Cheboygan and the towns around it

Very lowLowModerateHighVery high

Bentonmostly inland floodingModerate

Cheboyganmostly inland floodingLow

Beaugrandmostly inland floodingLow

Invernessmostly inland floodingVery 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. Cheboygan 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 Cheboygan’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Cheboygan. 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.