Natural hazards · Filer

Filer, MI natural hazards

Most of the natural-hazard damage FEMA expects in Filer comes from inland flooding, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Filer?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Filer to be higher than in 66% of U.S. communities, mostly from inland flooding.

Inland flooding82%Cold waves6%Everything else11%

By hazard

What Filer faces

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

Inland flooding

82% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once every 2 years in the area

Cold waves

6% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about once a year in the area

Lower here

Coastal floodingHurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Filer flood?

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

of all homes
are insured

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

Insurance rates: Manistee County.

Disasters that hit Filer

Federal disasters declared here

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

Brought FEMA money into FilerDeclared for Manistee County only

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

Around Filer

Filer and the towns around it

Very lowLowModerateHighVery high

Manisteemostly inland floodingHigh

Filermostly inland floodingHigh

Stronachmostly inland floodingHigh

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