Natural hazards · Cumming

Cumming, MI natural hazards

Most of the natural-hazard damage FEMA expects in Cumming comes from inland flooding, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is Cumming?

Low

vs. U.S. communities

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

Inland flooding51%Hail19%Cold waves10%Strong wind9%Tornadoes6%Everything else6%

By hazard

What Cumming faces

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

Inland flooding

51% of expected damage

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

Recorded about once every 7 years in the area

Hail

19% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 2 times a year in the area

Cold waves

10% of expected damage

Below average · higher than 46% of U.S. places

Recorded about 2 times a year in the area

Strong wind

9% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

6% of expected damage

Below average · higher than 47% of U.S. places

Recorded about once every 76 years in the area

Lower here

HurricanesIce 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 Cumming flood?

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

Disasters that hit Cumming

Federal disasters declared here

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

Brought FEMA money into CummingDeclared for Ogemaw County only

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

Around Cumming

Cumming and the towns around it

Very lowLowModerateHighVery high

Churchillmostly inland floodingLow

Cummingmostly inland floodingLow

Hillmostly inland floodingLow

Klackingmostly inland floodingLow

Rose Citymostly inland floodingLow

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