Natural hazards · Coleman

Coleman, MI natural hazards

Most of the natural-hazard damage FEMA expects in Coleman comes from inland flooding, and overall the risk is low for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Coleman?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Coleman to be higher than in 24% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding48%Cold waves24%Tornadoes12%Strong wind7%Everything else9%

By hazard

What Coleman 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 43% of U.S. places

Recorded about once a year in the area

Cold waves

24% of expected damage

Above average · higher than 54% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

12% of expected damage

Above average · higher than 63% of U.S. places

Recorded about once every 44 years in the area

Strong wind

7% of expected damage

Well above average · higher than 90% 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 Coleman flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Midland County.

Disasters that hit Coleman

2 federal disasters brought FEMA money here

Disasters the President declared that paid out in Coleman itself: aid to households, or repair grants to the City of Coleman.

Brought FEMA money into ColemanDeclared for Midland County only

2020

Severe Storms and Flooding

2 households applied for aid

2017

Severe Storms and Flooding

26 households applied for aid $34K aid approved

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

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. Coleman 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 Coleman’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Coleman. 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.

Coleman, MI natural hazards

How exposed is Coleman?

What Coleman faces

Inland flooding

Cold waves

Tornadoes

Strong wind

Lower here

Not a risk here

Does Coleman flood?

2 federal disasters brought FEMA money here

Severe Storms and Flooding

Severe Storms and Flooding

How to read this page

Where to, neighbor?

Matches

Nearby