Natural hazards · Gibson

Gibson, MI natural hazards

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

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

Expected damage

How exposed is Gibson?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gibson to be higher than in 47% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding49%Cold waves26%Tornadoes11%Strong wind6%Everything else9%

By hazard

What Gibson faces

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

Inland flooding

49% of expected damage

Above average · higher than 69% of U.S. places

Recorded about once a year in the area

Cold waves

26% of expected damage

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

Recorded about 3 times a year in the area

Tornadoes

11% of expected damage

Above average · higher than 63% of U.S. places

Recorded about once every 45 years in the area

Strong wind

6% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Gibson flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Bay County.

Disasters that hit Gibson

Federal disasters declared here

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

Brought FEMA money into GibsonDeclared for Bay County only

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

Around Gibson

Gibson and the towns around it

Very lowLowModerateHighVery high

Gibsonmostly inland floodingModerate

Mount Forestmostly inland floodingModerate

Grimmostly inland floodingModerate

Adamsmostly inland floodingLow

Lincolnmostly inland floodingLow

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