Natural hazards · Fillmore

Fillmore, MI natural hazards

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

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fillmore to be higher than in 18% of U.S. communities, mostly from inland flooding.

Inland flooding72%Tornadoes10%Strong wind6%Everything else12%

By hazard

What Fillmore faces

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

Inland flooding

72% of expected damage

Below average · higher than 36% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

10% of expected damage

Above average · higher than 59% of U.S. places

Recorded about once every 93 years in the area

Strong wind

6% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about 2 times a year in the area

Lower here

Coastal floodingHurricanesHailIce stormsWinter weatherCold wavesHeat 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 Fillmore flood?

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

of all homes
are insured

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

Insurance rates: Allegan County.

Disasters that hit Fillmore

Federal disasters declared here

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

Brought FEMA money into FillmoreDeclared for Allegan County only

Allegan County has had 14 natural disasters declared since 1953, most often floods and winter storms.

Around Fillmore

Fillmore and the towns around it

Very lowLowModerateHighVery high

Laketownmostly inland floodingLow

Overiselmostly inland floodingLow

Manliusmostly inland floodingLow

Hollandmostly inland floodingLow

Fillmoremostly inland floodingVery low

Hollandmostly 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. Fillmore covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Fillmore’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Fillmore. 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 Fillmore total about $1.2M 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.