Freeland’s biggest natural hazard is inland flooding
Most of the natural-hazard damage FEMA expects in Freeland comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 3 claims here since 2017.
What stands out about Freeland’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
How exposed is Freeland?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 63% of U.S. communities, mostly from inland flooding and cold waves.
Rated higher than 1,702 of the 1,771 Michigan towns we cover.
Freeland covers 1 census tract, combined by population.
What Freeland faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Inland flooding
Cold waves
Tornadoes
Does Freeland flood? Rarely: 3 flood claims since 2017
Every paid claim on a federal flood insurance policy in Freeland, from FEMA’s records.
Freeland 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.Federal disasters declared here
None of the disasters declared for Saginaw County shows FEMA aid or repair money reaching Freeland itself in FEMA’s records.
Saginaw County has had 16 natural disasters declared since 1953, most often floods and severe storms.
Get ready for what Freeland actually faces
A short kit for its top hazards, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Let faucets drip so pipes don’t freeze.
- Know where your water shutoff is.
- Never heat the house with the oven or a grill.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Freeland and its neighbors
Freeland has the highest rating of the 3 towns around it. Tap a town to see its hazards.
| Town | Rating | Mostly | Flood claims |
|---|---|---|---|
| Freeland | High | inland flooding | 3 |
| Ingersoll | Moderate | inland flooding | 0 |
| Tittabawassee | Moderate | inland flooding | 3 |
Rating = expected yearly storm and flood damage as a share of what’s there, vs. U.S. communities. Flood claims = paid federal flood insurance claims on record.
Most disasters here begin in April–June
The month each of Saginaw County’s 16 declared disasters began, since 1953.
What these numbers can and can’t tell you
- An average, not a forecast. FEMA’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 there, so a big city isn’t rated riskier just for having more buildings.
- Money that reached town. Flood claims are matched to Freeland’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Freeland.
- It follows property value. FEMA’s model weighs damage to buildings, so a place that recently lost many homes can rate lower than it feels. Across Freeland, expected losses total about $1.6M a year, counting buildings, people and crops.
Storm stories
Memories, warnings and help from neighbors in Freeland.
Your answer becomes a post in Town Square.
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. Preparedness tips: Ready.gov. An average of past damage, not a forecast.