Natural hazards · Cleveland

Cleveland, MI natural hazards

Most of the natural-hazard damage FEMA expects in Cleveland comes from cold waves, and overall the risk is very low for a U.S. community.

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

Expected damage

How exposed is Cleveland?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cleveland to be higher than in 7% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves65%Inland flooding27%Everything else9%

By hazard

What Cleveland faces

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

Cold waves

65% of expected damage

Below average · higher than 43% of U.S. places

Recorded about once a year in the area

Inland flooding

27% of expected damage

Below average · higher than 26% of U.S. places

Recorded about once every 4 years 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 Cleveland flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Leelanau County.

Disasters that hit Cleveland

Federal disasters declared here

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

Brought FEMA money into ClevelandDeclared for Leelanau County only

Leelanau County has had 3 natural disasters declared since 1953, most often hurricanes and winter storms.

Around Cleveland

Cleveland and the towns around it

Very lowLowModerateHighVery high

Glen Arbormostly inland floodingLow

Centervillemostly cold wavesLow

Lelandmostly cold wavesLow

Clevelandmostly cold wavesVery low

Kassonmostly cold wavesVery 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. Cleveland covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Cleveland’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Cleveland. 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 Cleveland total about $1.5M 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.