Natural hazards · Gladstone

Gladstone, MI natural hazards

Most of the natural-hazard damage FEMA expects in Gladstone comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 1986.

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

Expected damage

How exposed is Gladstone?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gladstone to be higher than in 20% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding49%Cold waves38%Hail6%Everything else7%

By hazard

What Gladstone 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

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

Recorded about once every 2 years in the area

Cold waves

38% of expected damage

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

Recorded about 4 times a year in the area

Hail

6% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once a year in the area

Lower here

Coastal floodingTornadoesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Gladstone flood?

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

2paid claims since 1986

$4Kpaid to owners

0homes flooded more than once

19862026

of all homes
are insured

No community discount. Gladstone 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 Gladstone

Federal disasters declared here

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

Brought FEMA money into GladstoneDeclared for Delta County only

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

Around Gladstone

Gladstone and the towns around it

Very lowLowModerateHighVery high

Gladstonemostly inland floodingLow

Escanabamostly inland floodingVery low

Bramptonmostly inland floodingVery low

Ensignmostly 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. Gladstone covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Gladstone’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Gladstone. 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 Gladstone total about $3.5M 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.