Natural hazards · Estral Beach

Estral Beach, MI natural hazards

Most of the natural-hazard damage FEMA expects in Estral Beach comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 59 claims here since 1980.

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

Expected damage

How exposed is Estral Beach?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Estral Beach to be higher than in 47% of U.S. communities, mostly from inland flooding.

Inland flooding64%Tornadoes13%Cold waves10%Strong wind5%Everything else8%

By hazard

What Estral Beach 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

Above average · higher than 65% of U.S. places

Recorded about once a year in the area

Tornadoes

13% of expected damage

Well above average · higher than 77% of U.S. places

Cold waves

10% of expected damage

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

Recorded about 3 times a year in the area

Strong wind

5% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 5 times a year in the area

Lower here

Coastal floodingHurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Estral Beach flood?

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

59paid claims since 1980

$295Kpaid to owners

9homes flooded more than once

19802026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Monroe County.

Disasters that hit Estral Beach

Federal disasters declared here

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

Brought FEMA money into Estral BeachDeclared for Monroe County only

Monroe County has had 8 natural disasters declared since 1953, most often floods and winter storms.

Around Estral Beach

Estral Beach and the towns around it

Very lowLowModerateHighVery high

Berlinmostly inland floodingModerate

Estral Beachmostly inland floodingModerate

Frenchtownmostly inland floodingModerate

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. Estral Beach 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 Estral Beach’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Estral Beach. 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.