Natural hazards · Garfield

Garfield, MI natural hazards

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

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Garfield to be higher than in 14% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding79%Cold waves15%Everything else6%

By hazard

What Garfield faces

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

Inland flooding

79% of expected damage

Below average · higher than 42% of U.S. places

Recorded about once every 6 years in the area

Cold waves

15% of expected damage

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

Recorded about 2 times a year in the area

Lower here

Coastal floodingHurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Garfield flood?

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

of all homes
are insured

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

Insurance rates: Mackinac County.

Disasters that hit Garfield

Federal disasters declared here

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

Brought FEMA money into GarfieldDeclared for Mackinac County only

Mackinac County has had 5 natural disasters declared since 1953, most often ice storms and hurricanes.

Around Garfield

Garfield and the towns around it

Very lowLowModerateHighVery high

Pentlandmostly inland floodingLow

Portagemostly inland floodingVery low

Newtonmostly inland floodingVery low

Garfieldmostly inland floodingVery low

Hudsonmostly 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. Garfield 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 Garfield’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Garfield. 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.