Natural hazards · Elmer

Elmer, MI natural hazards

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

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Elmer to be higher than in 9% of U.S. communities, mostly from inland flooding and lightning.

Inland flooding47%Lightning25%Cold waves10%Tornadoes6%Wildfire6%Everything else6%

By hazard

What Elmer faces

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

Inland flooding

47% of expected damage

Well below average · higher than 20% of U.S. places

Recorded about once every 9 years in the area

Lightning

25% of expected damage

Above average · higher than 55% of U.S. places

Cold waves

10% of expected damage

Below average · higher than 44% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

6% of expected damage

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

Recorded about once every 45 years in the area

Wildfire

6% of expected damage

Well above average · higher than 93% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesEarthquakesLandslidesStrong wind

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 Elmer flood?

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

Disasters that hit Elmer

Federal disasters declared here

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

Brought FEMA money into ElmerDeclared for Oscoda County only

Oscoda County has had 6 natural disasters declared since 1953, most often winter storms and floods.

Around Elmer

Elmer and the towns around it

Very lowLowModerateHighVery high

Big Creekmostly inland floodingVery low

Elmermostly inland floodingVery low

Greenwoodmostly inland floodingVery low

Albertmostly inland floodingVery low

Cominsmostly inland floodingVery low

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