Natural hazards · Gustin

Gustin, MI natural hazards

Most of the natural-hazard damage FEMA expects in Gustin comes from inland flooding, and overall the risk is very low for a U.S. community.

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

Expected damage

How exposed is Gustin?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gustin to be higher than in 15% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding70%Cold waves15%Lightning6%Everything else9%

By hazard

What Gustin faces

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

Inland flooding

70% of expected damage

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

Recorded about once every 7 years in the area

Cold waves

15% of expected damage

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

Recorded about 2 times a year in the area

Lightning

6% of expected damage

Below average · higher than 45% of U.S. places

Lower here

HurricanesTornadoesHailIce 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 Gustin flood?

FEMA's records show no paid flood insurance claims in Gustin.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Alcona County.

Disasters that hit Gustin

Federal disasters declared here

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

Brought FEMA money into GustinDeclared for Alcona County only

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

Around Gustin

Gustin and the towns around it

Very lowLowModerateHighVery high

Millenmostly inland floodingLow

Gustinmostly inland floodingVery low

Hawesmostly inland floodingVery low

Harrisvillemostly inland floodingVery low

Mikadomostly 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. Gustin covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Gustin’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Gustin. 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 Gustin total about $1.0M 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.