Natural hazards · Frederic

Frederic, MI natural hazards

Most of the natural-hazard damage FEMA expects in Frederic comes from inland flooding, and overall the risk is very low for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Frederic?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Frederic to be higher than in 19% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding58%Cold waves16%Tornadoes7%Lightning6%Everything else14%

By hazard

What Frederic faces

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

Inland flooding

58% of expected damage

Below average · higher than 41% of U.S. places

Recorded about once every 28 years in the area

Cold waves

16% of expected damage

Below average · higher than 41% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

7% of expected damage

Below average · higher than 48% of U.S. places

Recorded about once every 53 years in the area

Lightning

6% of expected damage

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

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong wind

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 Frederic flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Crawford County.

Disasters that hit Frederic

2 federal disasters brought FEMA money here

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

Brought FEMA money into FredericDeclared for Crawford County only

2026

Severe Storms, Tornadoes, and Flooding

3 households applied for aid

2025

Severe Winter Storm

$35K to the Township of Frederic for repairs

Crawford County has had 7 natural disasters declared since 1953, most often floods and winter storms.

Around Frederic

Frederic and the towns around it

Very lowLowModerateHighVery high

Graylingmostly inland floodingModerate

Maple Forestmostly inland floodingLow

Fredericmostly inland floodingVery low

Hayesmostly inland floodingVery low

Bear Lakemostly inland floodingVery low

Blue Lakemostly 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. Frederic covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Frederic’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Frederic. 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 Frederic total about $1.8M 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.