Natural hazards · Garden

Garden, MI natural hazards

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

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Garden to be higher than in 9% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding47%Cold waves34%Hail7%Strong wind6%Everything else6%

By hazard

What Garden faces

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

Inland flooding

47% of expected damage

Well below average · higher than 23% of U.S. places

Recorded about once every 2 years in the area

Cold waves

34% of expected damage

Above average · higher than 57% of U.S. places

Recorded about 4 times a year in the area

Hail

7% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once a year in the area

Strong wind

6% of expected damage

Above average · higher than 52% of U.S. places

Recorded about once a year in the area

Lower here

Coastal floodingTornadoesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

Not a risk here

HurricanesAvalanchesTsunamisVolcanic 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 Garden flood?

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

of all homes
are insured

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

Insurance rates: Delta County.

Disasters that hit Garden

Federal disasters declared here

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

Brought FEMA money into GardenDeclared for Delta County only

Delta County has had 4 natural disasters declared since 1953, most often hurricanes and freezes.

Around Garden

Garden and the towns around it

Very lowLowModerateHighVery high

Inwoodmostly inland floodingModerate

Thompsonmostly inland floodingModerate

Nahmamostly inland floodingLow

Gardenmostly inland floodingVery low

Fairbanksmostly 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. Garden is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Garden’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Garden. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.