Natural hazards · Gaines

Gaines, MI natural hazards

Most of the natural-hazard damage FEMA expects in Gaines comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 9 claims here since 1981.

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

Expected damage

How exposed is Gaines?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gaines to be higher than in 27% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding41%Tornadoes27%Cold waves21%Everything else10%

By hazard

What Gaines faces

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

Inland flooding

41% of expected damage

Below average · higher than 39% of U.S. places

Recorded about once a year in the area

Tornadoes

27% of expected damage

Well above average · higher than 88% of U.S. places

Cold waves

21% of expected damage

Above average · higher than 54% of U.S. places

Recorded about 3 times a year in the area

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 Gaines flood?

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

9paid claims since 1981

$50Kpaid to owners

0homes flooded more than once

19812026

Biggest named events

Hurricane Ike: 1 claim, $1K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Genesee County.

Disasters that hit Gaines

Federal disasters declared here

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

Brought FEMA money into GainesDeclared for Genesee County only

Genesee County has had 9 natural disasters declared since 1953, most often severe storms and floods.

Around Gaines

Gaines and the towns around it

Very lowLowModerateHighVery high

Vernonmostly inland floodingLow

Venicemostly inland floodingLow

Argentinemostly inland floodingLow

Gainesmostly inland floodingLow

Claytonmostly inland floodingLow

Mundymostly inland floodingVery low

Swartz Creekmostly 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. Gaines covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Gaines’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Gaines. 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 Gaines total about $1.7M 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.