Natural hazards · Constantine

Constantine, MI natural hazards

Most of the natural-hazard damage FEMA expects in Constantine comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 2 claims here since 2018.

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

Expected damage

How exposed is Constantine?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Constantine to be higher than in 51% of U.S. communities, mostly from inland flooding.

Inland flooding67%Tornadoes8%Cold waves7%Strong wind6%Everything else13%

By hazard

What Constantine 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 73% of U.S. places

Recorded about once every 7 years in the area

Tornadoes

8% of expected damage

Above average · higher than 58% of U.S. places

Recorded about once every 56 years in the area

Cold waves

7% of expected damage

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

Recorded about 3 times a year in the area

Strong wind

6% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Constantine flood?

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

2paid claims since 2018

$11Kpaid to owners

0homes flooded more than once

20182026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: St. Joseph County.

Disasters that hit Constantine

Federal disasters declared here

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

Brought FEMA money into ConstantineDeclared for St. Joseph County only

St. Joseph County has had 6 natural disasters declared since 1953, most often winter storms and hurricanes.

Around Constantine

Constantine and the towns around it

Very lowLowModerateHighVery high

Constantinemostly inland floodingModerate

Florencemostly inland floodingModerate

Mottvillemostly inland floodingVery low

Fabiusmostly inland floodingVery low

Portermostly 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. Constantine covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Constantine’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Constantine. 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 Constantine total about $1.6M 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.