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Natural hazards · Frankenmuth

Frankenmuth, MI natural hazards

Most of the natural-hazard damage FEMA expects in Frankenmuth comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 1996. 5 federal disasters brought FEMA money into town.

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

How exposed is Frankenmuth?

73
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Frankenmuth to be higher than in 73% of U.S. communities, mostly from inland flooding.

Inland flooding77%Cold waves8%Tornadoes7%Everything else9%
By hazard

What Frankenmuth faces

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

Inland flooding

77% of expected damage
Well above average · higher than 89% of U.S. places
Recorded about once a year in the area

Cold waves

8% of expected damage
Above average · higher than 53% of U.S. places
Recorded about 3 times a year in the area

Tornadoes

7% of expected damage
Above average · higher than 64% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Frankenmuth flood?

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

1paid claims since 1996
$26Kpaid to owners
0homes flooded more than once
19962026
of all homes
are insured
No community discount. Frankenmuth isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Saginaw County.
Disasters that hit Frankenmuth

5 federal disasters brought FEMA money here

Disasters the President declared that paid out in Frankenmuth itself: aid to households, or repair grants to the City of Frankenmuth.

Brought FEMA money into FrankenmuthDeclared for Saginaw County only
2026

Severe Storms, Tornadoes, and Flooding

3 households applied for aid $300 aid approved
2020

Severe Storms and Flooding

1 household applied for aid
2013

Flooding

$2K to the City of Frankenmuth for repairs
2008

Severe Storms, Tornadoes, and Flooding

$4K to the City of Frankenmuth for repairs
2000

Snow

$6K to the City of Frankenmuth for repairs
Saginaw County has had 16 natural disasters declared since 1953, most often floods and severe storms.
Around Frankenmuth

Frankenmuth and the towns around it

Frankenmuth: Moderate, mostly inland floodingTuscola: High, mostly inland floodingBirch Run: Low, mostly inland floodingBlumfield: High, mostly inland floodingBridgeport: Moderate, mostly inland floodingFrankenmuth: High, mostly inland flooding FrankenmuthFrankenmuth
Very lowLowModerateHighVery high
Frankenmuthmostly inland floodingHigh
Frankenmuthmostly 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. Frankenmuth covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Frankenmuth’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Frankenmuth. 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 Frankenmuth total about $2.4M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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