Natural hazards · Coe

Coe, MI natural hazards

Most of the natural-hazard damage FEMA expects in Coe comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2017.

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

Expected damage

How exposed is Coe?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Coe to be higher than in 35% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding54%Tornadoes16%Cold waves13%Strong wind8%Everything else9%

By hazard

What Coe faces

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

Inland flooding

54% of expected damage

Below average · higher than 49% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

16% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about once every 45 years in the area

Cold waves

13% of expected damage

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

Recorded about 2 times a year in the area

Strong wind

8% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 3 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 Coe flood?

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

1paid claims since 2017

$5Kpaid to owners

0homes flooded more than once

20172026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Isabella County.

Disasters that hit Coe

Federal disasters declared here

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

Brought FEMA money into CoeDeclared for Isabella County only

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

Around Coe

Coe and the towns around it

Very lowLowModerateHighVery high

Jaspermostly inland floodingHigh

Pine Rivermostly inland floodingModerate

Coemostly inland floodingLow

Chippewamostly inland floodingLow

Lincolnmostly 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. Coe covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Coe’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Coe. 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 Coe 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.