Natural hazards · Grand Beach

Grand Beach, MI natural hazards

Most of the natural-hazard damage FEMA expects in Grand Beach comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 1979.

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

Expected damage

How exposed is Grand Beach?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Grand Beach to be higher than in 23% of U.S. communities, mostly from inland flooding.

Inland flooding68%Tornadoes10%Cold waves8%Strong wind5%Everything else9%

By hazard

What Grand Beach faces

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

Inland flooding

68% of expected damage

Below average · higher than 44% of U.S. places

Recorded about once a year in the area

Tornadoes

10% of expected damage

Above average · higher than 60% of U.S. places

Cold waves

8% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about 2 times a year in the area

Strong wind

5% of expected damage

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

Recorded about 5 times a year in the area

Lower here

Coastal floodingHurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Grand Beach flood?

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

2paid claims since 1979

$22Kpaid to owners

0homes flooded more than once

19792026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Berrien County.

Disasters that hit Grand Beach

Federal disasters declared here

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

Brought FEMA money into Grand BeachDeclared for Berrien County only

Berrien County has had 10 natural disasters declared since 1953, most often floods and winter storms.

Around Grand Beach

Grand Beach and the towns around it

Very lowLowModerateHighVery high

Grand Beachmostly inland floodingLow

New Buffalomostly 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. Grand Beach covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Grand Beach’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Grand Beach. 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 Grand Beach total about $951K 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.