Natural hazards · Cottrellville

Cottrellville, MI natural hazards

Most of the natural-hazard damage FEMA expects in Cottrellville comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 10 claims here since 1985. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Cottrellville?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cottrellville to be higher than in 27% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding54%Cold waves24%Tornadoes14%Everything else9%

By hazard

What Cottrellville 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 48% of U.S. places

Recorded about once a year in the area

Cold waves

24% of expected damage

Above average · higher than 51% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

14% of expected damage

Above average · higher than 62% of U.S. places

Lower here

Coastal floodingHurricanesHailIce 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 Cottrellville flood?

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

10paid claims since 1985

$70Kpaid to owners

2homes flooded more than once

19852026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Cottrellville 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. Clair County.

Disasters that hit Cottrellville

1 federal disaster brought FEMA money here

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

Brought FEMA money into CottrellvilleDeclared for St. Clair County only

2004

Severe Storms, Tornadoes, and Flooding

2 households applied for aid $8K aid approved

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

Around Cottrellville

Cottrellville and the towns around it

Very lowLowModerateHighVery high

Marine Citymostly inland floodingModerate

Chinamostly inland floodingModerate

Claymostly inland floodingLow

Iramostly inland floodingLow

Cottrellvillemostly inland floodingLow

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. Cottrellville covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Cottrellville’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Cottrellville. 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 Cottrellville total about $844K 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.