Natural hazards · Gilmore

Gilmore, MI natural hazards

Most of the natural-hazard damage FEMA expects in Gilmore comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 2 claims here since 1985.

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

Expected damage

How exposed is Gilmore?

Very low

vs. U.S. communities

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

Inland flooding54%Cold waves16%Tornadoes12%Strong wind7%Everything else10%

By hazard

What Gilmore faces

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

Inland flooding

54% of expected damage

Below average · higher than 27% of U.S. places

Recorded about once every 2 years in the area

Cold waves

16% of expected damage

Below average · higher than 48% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

12% of expected damage

Above average · higher than 62% of U.S. places

Recorded about once every 33 years in the area

Strong wind

7% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 2 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 Gilmore flood?

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

2paid claims since 1985

$4Kpaid to owners

0homes flooded more than once

19852026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Isabella County.

Disasters that hit Gilmore

Federal disasters declared here

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

Brought FEMA money into GilmoreDeclared for Isabella County only

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

Around Gilmore

Gilmore and the towns around it

Very lowLowModerateHighVery high

Nottawamostly inland floodingLow

Gilmoremostly inland floodingVery low

Coldwatermostly inland floodingVery low

Vernonmostly inland floodingVery low

Surreymostly 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. Gilmore covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Gilmore’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Gilmore. 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 Gilmore total about $1.0M 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.