Natural hazards · Germfask

Germfask, MI natural hazards

Most of the natural-hazard damage FEMA expects in Germfask comes from inland flooding, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is Germfask?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Germfask to be higher than in 39% of U.S. communities, mostly from inland flooding.

Inland flooding77%Cold waves11%Lightning6%Everything else6%

By hazard

What Germfask faces

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

Inland flooding

77% of expected damage

Above average · higher than 68% of U.S. places

Recorded about once every 28 years in the area

Cold waves

11% of expected damage

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

Recorded about 2 times a year in the area

Lightning

6% of expected damage

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

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windDrought

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 Germfask flood?

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

of all homes
are insured

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

Insurance rates: Schoolcraft County.

Disasters that hit Germfask

Federal disasters declared here

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

Brought FEMA money into GermfaskDeclared for Schoolcraft County only

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

Around Germfask

Germfask and the towns around it

Very lowLowModerateHighVery high

Germfaskmostly inland floodingLow

Doylemostly inland floodingLow

Muellermostly inland floodingLow

Seneymostly inland floodingLow

Lakefieldmostly inland floodingLow

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