Natural hazards · Fairhaven

Fairhaven, MI natural hazards

Most of the natural-hazard damage FEMA expects in Fairhaven comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 39 claims here since 1982.

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

Expected damage

How exposed is Fairhaven?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fairhaven to be higher than in 26% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding50%Cold waves27%Tornadoes8%Strong wind8%Everything else8%

By hazard

What Fairhaven faces

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

Inland flooding

50% of expected damage

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

Recorded about once every 2 years in the area

Cold waves

27% of expected damage

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

Recorded about 3 times a year in the area

Tornadoes

8% of expected damage

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

Recorded about once every 29 years in the area

Strong wind

8% of expected damage

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

Recorded about 3 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 Fairhaven flood?

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

39paid claims since 1982

$218Kpaid to owners

4homes flooded more than once

19822026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Huron County.

Disasters that hit Fairhaven

Federal disasters declared here

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

Brought FEMA money into FairhavenDeclared for Huron County only

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

Around Fairhaven

Fairhaven and the towns around it

Very lowLowModerateHighVery high

Sebewaingmostly inland floodingModerate

Fairhavenmostly inland floodingLow

Winsormostly inland floodingLow

McKinleymostly inland floodingLow

Casevillemostly 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. Fairhaven covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Fairhaven’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Fairhaven. 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 Fairhaven total about $2.1M 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.