Natural hazards · Chester

Chester, MI natural hazards

Most of the natural-hazard damage FEMA expects in Chester comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2013.

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

Expected damage

How exposed is Chester?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Chester to be higher than in 44% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding56%Tornadoes19%Strong wind9%Cold waves8%Everything else8%

By hazard

What Chester faces

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

Inland flooding

56% of expected damage

Above average · higher than 55% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

19% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about once every 35 years in the area

Strong wind

9% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 5 times a year in the area

Cold waves

8% of expected damage

Above average · higher than 50% of U.S. places

Recorded about 2 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 Chester flood?

Every paid claim on a federal flood insurance policy in Chester, from FEMA’s records.

1paid claims since 2013

$30Kpaid to owners

0homes flooded more than once

20132026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Eaton County.

Disasters that hit Chester

Federal disasters declared here

None of the disasters declared for Eaton County shows FEMA aid or repair money reaching Chester itself in FEMA’s records.

Brought FEMA money into ChesterDeclared for Eaton County only

Eaton County has had 11 natural disasters declared since 1953, most often winter storms and floods.

Around Chester

Chester and the towns around it

Very lowLowModerateHighVery high

Chestermostly inland floodingModerate

Roxandmostly inland floodingLow

Bentonmostly inland floodingLow

Vermontvillemostly inland floodingLow

Carmelmostly inland floodingLow

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. Chester covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Chester’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Chester. 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 Chester total about $921K 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.