Grawn’s biggest natural hazard is cold waves
Most of the natural-hazard damage FEMA expects in Grawn comes from cold waves, and overall the risk is low for a U.S. community.
What stands out about Grawn’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
What Grawn faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Cold waves
Inland flooding
Does Grawn flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Grawn. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Grawn isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Grand Traverse County.How exposed is Grawn?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 32% of U.S. communities, mostly from cold waves and inland flooding.
Rated higher than 1,204 of the 1,771 Michigan towns we cover.
Grawn is smaller than a census tract, so it shares the figures of the tract around its center.
Federal disasters declared here
None of the disasters declared for Grand Traverse County shows FEMA aid or repair money reaching Grawn itself in FEMA’s records.
Grand Traverse County has had 4 natural disasters declared since 1953, most often floods and hurricanes.
Get ready for what Grawn actually faces
A short kit for its top hazards, what to check before you buy, and where neighbors get alerts.
- Let faucets drip so pipes don’t freeze.
- Know where your water shutoff is.
- Never heat the house with the oven or a grill.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Keep a shovel, a blanket and snacks in the car.
- Clear snow from furnace and dryer vents.
- Check on older neighbors when the power goes out.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Grawn and its neighbors
Grawn has the highest rating of the 3 towns around it. Tap a town to see its hazards.
| Town | Rating | Mostly | Flood claims |
|---|---|---|---|
| Grawn | Low | cold waves | 0 |
| Green Lake | Low | cold waves | 0 |
| Blair | Very low | cold waves | 7 |
Rating = expected yearly storm and flood damage as a share of what’s there, vs. U.S. communities. Flood claims = paid federal flood insurance claims on record.
What these numbers can and can’t tell you
- An average, not a forecast. FEMA’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 there, so a big city isn’t rated riskier just for having more buildings.
- Money that reached town. Flood claims are matched to Grawn’s own flood-insurance community; household aid to the registrant’s city; repair grants to Grawn.
- It follows property value. FEMA’s model weighs damage to buildings, so a place that recently lost many homes can rate lower than it feels.
Storm stories
Memories, warnings and help from neighbors in Grawn.
Your answer becomes a post in Town Square.
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. Preparedness tips: Ready.gov. An average of past damage, not a forecast.