Natural hazards · Chesaning

Chesaning, MI natural hazards

Most of the natural-hazard damage FEMA expects in Chesaning comes from inland flooding, and overall the risk is low for a U.S. community. 4 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Chesaning?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Chesaning to be higher than in 29% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding48%Cold waves19%Tornadoes18%Strong wind7%Everything else8%

By hazard

What Chesaning faces

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

Inland flooding

48% of expected damage

Below average · higher than 44% of U.S. places

Recorded about once a year in the area

Cold waves

19% of expected damage

Above average · higher than 53% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

18% of expected damage

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

Recorded about once every 67 years in the area

Strong wind

7% of expected damage

Well above average · higher than 95% 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 Chesaning flood?

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

of all homes
are insured

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

Insurance rates: Saginaw County.

Disasters that hit Chesaning

4 federal disasters brought FEMA money here

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

Brought FEMA money into ChesaningDeclared for Saginaw County only

2026

Severe Storms, Tornadoes, and Flooding

3 households applied for aid $685 aid approved

2020

Severe Storms and Flooding

1 household applied for aid $13K aid approved

2004

Severe Storms, Tornadoes, and Flooding

2 households applied for aid $466 aid approved

2000

Snow

$3K to the Village of Chesaning for repairs

Saginaw County has had 16 natural disasters declared since 1953, most often floods and severe 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. Chesaning covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Chesaning’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Chesaning. 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 Chesaning total about $1.4M 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.

Chesaning, MI natural hazards

How exposed is Chesaning?

What Chesaning faces

Inland flooding

Cold waves

Tornadoes

Strong wind

Lower here

Not a risk here

Does Chesaning flood?

4 federal disasters brought FEMA money here

Severe Storms, Tornadoes, and Flooding

Severe Storms and Flooding

Severe Storms, Tornadoes, and Flooding

Snow

How to read this page

Where to, neighbor?

Matches

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