Natural hazards · Grayling

Grayling, MI natural hazards

Most of the natural-hazard damage FEMA expects in Grayling comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2026.

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

Expected damage

How exposed is Grayling?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Grayling to be higher than in 40% of U.S. communities, mostly from inland flooding.

Inland flooding60%Cold waves15%Lightning6%Tornadoes6%Everything else14%

By hazard

What Grayling faces

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

Inland flooding

60% of expected damage

Above average · higher than 64% of U.S. places

Recorded about once every 28 years in the area

Cold waves

15% of expected damage

Below average · higher than 41% of U.S. places

Recorded about 2 times a year in the area

Lightning

6% of expected damage

Above average · higher than 66% of U.S. places

Tornadoes

6% of expected damage

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

Recorded about once every 66 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong wind

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 Grayling flood?

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

1paid claims since 2026

$122Kpaid to owners

0homes flooded more than once

20262026

Biggest named events

2026-04-Flooding: 1 claim, $122K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Crawford County.

Disasters that hit Grayling

Federal disasters declared here

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

Brought FEMA money into GraylingDeclared for Crawford County only

Crawford County has had 7 natural disasters declared since 1953, most often floods and winter storms.

Around Grayling

Grayling and the towns around it

Very lowLowModerateHighVery high

South Branchmostly inland floodingHigh

Graylingmostly inland floodingModerate

Beaver Creekmostly inland floodingLow

Lovellsmostly inland floodingLow

Maple Forestmostly inland floodingLow

Fredericmostly inland floodingVery low

Bear Lakemostly 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. Grayling covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Grayling’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Grayling. 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 Grayling total about $1.5M 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.