Natural hazards · Claybanks

Claybanks, MI natural hazards

Most of the natural-hazard damage FEMA expects in Claybanks comes from inland flooding, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is Claybanks?

Low

vs. U.S. communities

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

Inland flooding58%Strong wind27%Everything else16%

By hazard

What Claybanks faces

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

Inland flooding

58% of expected damage

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

Recorded about once every 4 years in the area

Strong wind

27% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about once a year in the area

Lower here

Coastal floodingHurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightning

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 Claybanks flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Oceana County.

Disasters that hit Claybanks

Federal disasters declared here

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

Brought FEMA money into ClaybanksDeclared for Oceana County only

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

Around Claybanks

Claybanks and the towns around it

Very lowLowModerateHighVery high

Claybanksmostly inland floodingLow

Benonamostly inland floodingLow

White Rivermostly inland floodingLow

Grantmostly 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. Claybanks 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 Claybanks’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Claybanks. 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.