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Natural hazards · Hamlin

Hamlin, MI natural hazards

Most of the natural-hazard damage FEMA expects in Hamlin comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 3 claims here since 2018.

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

How exposed is Hamlin?

13
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hamlin to be higher than in 13% of U.S. communities, mostly from inland flooding.

Inland flooding71%Cold waves7%Strong wind7%Winter weather7%Everything else8%
By hazard

What Hamlin faces

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

Inland flooding

71% of expected damage
Below average · higher than 36% of U.S. places
Recorded about once every 3 years in the area

Cold waves

7% of expected damage
Well below average · higher than 19% of U.S. places
Recorded about once a year in the area

Strong wind

7% of expected damage
Well above average · higher than 87% of U.S. places
Recorded about once a year in the area

Winter weather

7% of expected damage
Above average · higher than 60% of U.S. places
Recorded about 29 times a year in the area

Lower here

Coastal floodingHurricanesTornadoesHailIce stormsHeat 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 Hamlin flood?

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

3paid claims since 2018
$143Kpaid to owners
0homes flooded more than once
20182026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Hamlin isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Mason County.
Disasters that hit Hamlin

Federal disasters declared here

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

Brought FEMA money into HamlinDeclared for Mason County only
Mason County has had 7 natural disasters declared since 1953, most often severe storms and floods.
Around Hamlin

Hamlin and the towns around it

Pere Marquette: Very low, mostly inland floodingVictory: Very low, mostly inland floodingGrant: Very low, mostly inland floodingLudington: Very low, mostly inland floodingAmber: Very low, mostly inland floodingSummit: Very low, mostly inland floodingRiverton: Very low, mostly inland floodingSherman: Very low, mostly inland floodingFree Soil: Very low, mostly inland floodingFiler: High, mostly inland floodingHamlin: Very low, mostly inland flooding HamlinPere MarquetteVictoryGrant
Very lowLowModerateHighVery high
Hamlinmostly inland floodingVery low
Victorymostly inland floodingVery low
Grantmostly inland floodingVery low
Pere Marquettemostly 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. Hamlin covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Hamlin’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Hamlin. 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 Hamlin total about $898K 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.

The door’s open

Where to, neighbor?

You’re in Hamlin, MIMason CountyView boundary

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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