Natural hazards · Freeman

Freeman, MI natural hazards

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

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Freeman to be higher than in 17% of U.S. communities, mostly from inland flooding and strong winds.

Inland flooding48%Strong wind19%Cold waves14%Tornadoes10%Everything else10%

By hazard

What Freeman faces

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

Inland flooding

48% of expected damage

Below average · higher than 28% of U.S. places

Recorded about once every 4 years in the area

Strong wind

19% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 2 times a year in the area

Cold waves

14% of expected damage

Below average · higher than 45% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

10% of expected damage

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

Recorded about once every 74 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Freeman flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Clare County.

Disasters that hit Freeman

Federal disasters declared here

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

Brought FEMA money into FreemanDeclared for Clare County only

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

Around Freeman

Freeman and the towns around it

Very lowLowModerateHighVery high

Sylvanmostly inland floodingModerate

Lincolnmostly inland floodingVery low

Freemanmostly inland floodingVery low

Reddingmostly inland floodingVery low

Garfieldmostly 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. Freeman covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Freeman’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Freeman. 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 Freeman total about $757K 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.