Natural hazards · Gun Plain

Gun Plain, MI natural hazards

Most of the natural-hazard damage FEMA expects in Gun Plain comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 1985.

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

Expected damage

How exposed is Gun Plain?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gun Plain to be higher than in 42% of U.S. communities, mostly from inland flooding.

Inland flooding68%Tornadoes14%Strong wind6%Everything else12%

By hazard

What Gun Plain 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

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

Recorded about once every 2 years in the area

Tornadoes

14% of expected damage

Above average · higher than 74% of U.S. places

Strong wind

6% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat 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 Gun Plain flood?

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

1paid claims since 1985

$676paid to owners

0homes flooded more than once

19852026

of all homes
are insured

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

Insurance rates: Allegan County.

Disasters that hit Gun Plain

Federal disasters declared here

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

Brought FEMA money into Gun PlainDeclared for Allegan County only

Allegan County has had 14 natural disasters declared since 1953, most often floods and winter storms.

Around Gun Plain

Gun Plain and the towns around it

Very lowLowModerateHighVery high

Otsegomostly inland floodingModerate

Gun Plainmostly inland floodingModerate

Plainwellmostly inland floodingLow

Coopermostly inland floodingLow

Martinmostly inland floodingVery low

Prairievillemostly 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. Gun Plain covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Gun Plain’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Gun Plain. 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 Gun Plain total about $2.8M 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.