Natural hazards · Fruitland

Fruitland, MI natural hazards

Most of the natural-hazard damage FEMA expects in Fruitland comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 4 claims here since 1989.

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

Expected damage

How exposed is Fruitland?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fruitland to be higher than in 18% of U.S. communities, mostly from inland flooding.

Inland flooding73%Strong wind9%Tornadoes8%Everything else11%

By hazard

What Fruitland faces

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

Inland flooding

73% of expected damage

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

Recorded about once every 2 years in the area

Strong wind

9% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about once a year in the area

Tornadoes

8% of expected damage

Below average · higher than 44% of U.S. places

Lower here

Coastal floodingHurricanesHailIce stormsWinter weatherCold wavesHeat 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 Fruitland flood?

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

4paid claims since 1989

$19Kpaid to owners

0homes flooded more than once

19892026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Muskegon County.

Disasters that hit Fruitland

Federal disasters declared here

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

Brought FEMA money into FruitlandDeclared for Muskegon County only

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

Around Fruitland

Fruitland and the towns around it

Very lowLowModerateHighVery high

White Rivermostly inland floodingLow

Fruitlandmostly inland floodingVery low

Daltonmostly inland floodingVery low

Montaguemostly inland floodingVery low

Laketonmostly inland floodingVery low

Whitehallmostly 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. Fruitland covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Fruitland’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Fruitland. 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 Fruitland total about $982K 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.