Natural hazards · Elkland

Elkland, MI natural hazards

Most of the natural-hazard damage FEMA expects in Elkland comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 1979.

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

Expected damage

How exposed is Elkland?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Elkland to be higher than in 68% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding70%Cold waves16%Everything else14%

By hazard

What Elkland faces

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

Inland flooding

70% of expected damage

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

Recorded about once a year in the area

Cold waves

16% of expected damage

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

Recorded about 3 times a year in the area

Lower here

HurricanesTornadoesHailIce 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 Elkland flood?

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

1paid claims since 1979

$5Kpaid to owners

0homes flooded more than once

19792026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Tuscola County.

Disasters that hit Elkland

Federal disasters declared here

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

Brought FEMA money into ElklandDeclared for Tuscola County only

Tuscola County has had 10 natural disasters declared since 1953, most often floods and winter storms.

Around Elkland

Elkland and the towns around it

Very lowLowModerateHighVery high

Novestamostly inland floodingHigh

Elklandmostly inland floodingHigh

Elmwoodmostly inland floodingHigh

Cass Citymostly inland floodingHigh

Grantmostly inland floodingLow

Greenleafmostly cold wavesLow

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. Elkland covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Elkland’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Elkland. 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 Elkland total about $2.5M 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.