Natural hazards · Custer

Custer, MI natural hazards

Most of the natural-hazard damage FEMA expects in Custer 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 Custer?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Custer to be higher than in 6% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding64%Cold waves24%Tornadoes6%Everything else7%

By hazard

What Custer faces

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

Inland flooding

64% of expected damage

Well below average · higher than 23% of U.S. places

Recorded about once every 14 years in the area

Cold waves

24% of expected damage

Below average · higher than 26% of U.S. places

Recorded about once a year in the area

Tornadoes

6% of expected damage

Below average · higher than 43% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat 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 Custer flood?

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

of all homes
are insured

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

Insurance rates: Antrim County.

Disasters that hit Custer

Federal disasters declared here

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

Brought FEMA money into CusterDeclared for Antrim County only

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

Around Custer

Custer and the towns around it

Very lowLowModerateHighVery high

Forest Homemostly inland floodingLow

Kearneymostly inland floodingLow

Helenamostly inland floodingVery low

Custermostly 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. Custer covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Custer’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Custer. 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 Custer total about $593K 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.