Natural hazards · Frankenlust

Frankenlust, MI natural hazards

Most of the natural-hazard damage FEMA expects in Frankenlust comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 9 claims here since 1983.

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

Expected damage

How exposed is Frankenlust?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Frankenlust to be higher than in 60% of U.S. communities, mostly from inland flooding.

Inland flooding64%Tornadoes12%Cold waves11%Strong wind7%Everything else6%

By hazard

What Frankenlust 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

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

Recorded about once a year in the area

Tornadoes

12% of expected damage

Well above average · higher than 80% of U.S. places

Cold waves

11% of expected damage

Above average · higher than 54% of U.S. places

Recorded about 3 times a year in the area

Strong wind

7% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 4 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 Frankenlust flood?

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

9paid claims since 1983

$28Kpaid to owners

0homes flooded more than once

19832026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Bay County.

Disasters that hit Frankenlust

Federal disasters declared here

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

Brought FEMA money into FrankenlustDeclared for Bay County only

Bay County has had 12 natural disasters declared since 1953, most often severe storms and floods.

Around Frankenlust

Frankenlust and the towns around it

Very lowLowModerateHighVery high

Frankenlustmostly inland floodingHigh

Tittabawasseemostly inland floodingModerate

Monitormostly inland floodingModerate

Portsmouthmostly inland floodingModerate

Bay Citymostly inland floodingModerate

Kochvillemostly 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. Frankenlust covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Frankenlust’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Frankenlust. 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 Frankenlust total about $2.2M 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.