Natural hazards · Clement

Clement, MI natural hazards

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

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Clement to be higher than in 28% of U.S. communities, mostly from inland flooding.

Inland flooding67%Cold waves12%Tornadoes7%Strong wind7%Everything else8%

By hazard

What Clement faces

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

Inland flooding

67% of expected damage

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

Recorded about once every 3 years in the area

Cold waves

12% of expected damage

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

Recorded about 2 times a year in the area

Tornadoes

7% of expected damage

Above average · higher than 57% of U.S. places

Strong wind

7% of expected damage

Well above average · higher than 92% 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 Clement flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Gladwin County.

Disasters that hit Clement

Federal disasters declared here

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

Brought FEMA money into ClementDeclared for Gladwin County only

Gladwin County has had 9 natural disasters declared since 1953, most often severe storms and floods.

Around Clement

Clement and the towns around it

Very lowLowModerateHighVery high

Bourretmostly inland floodingModerate

Secordmostly inland floodingModerate

Edwardsmostly inland floodingLow

Clementmostly inland floodingLow

Butmanmostly 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. Clement covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Clement’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Clement. 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 Clement total about $592K 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.