Natural hazards · Coldsprings

Coldsprings, MI natural hazards

Most of the natural-hazard damage FEMA expects in Coldsprings comes from inland flooding, 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 Coldsprings?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Coldsprings to be higher than in 9% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding48%Cold waves33%Tornadoes6%Winter weather5%Everything else8%

By hazard

What Coldsprings faces

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

Inland flooding

48% of expected damage

Below average · higher than 27% of U.S. places

Recorded about once every 14 years in the area

Cold waves

33% of expected damage

Below average · higher than 33% of U.S. places

Recorded about once a year in the area

Tornadoes

6% of expected damage

Below average · higher than 45% of U.S. places

Recorded about once every 85 years in the area

Winter weather

5% of expected damage

Above average · higher than 59% of U.S. places

Recorded about 33 times a year in the area

Lower here

HurricanesHailIce stormsHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Coldsprings flood?

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

of all homes
are insured

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

Insurance rates: Kalkaska County.

Disasters that hit Coldsprings

Federal disasters declared here

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

Brought FEMA money into ColdspringsDeclared for Kalkaska County only

Kalkaska County has had 5 natural disasters declared since 1953, most often floods and ice storms.

Around Coldsprings

Coldsprings and the towns around it

Very lowLowModerateHighVery high

Excelsiormostly inland floodingVery low

Coldspringsmostly inland floodingVery low

Blue Lakemostly inland floodingVery low

Rapid Rivermostly inland floodingVery low

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