Natural hazards · Hancock

Hancock, MI natural hazards

Most of the natural-hazard damage FEMA expects in Hancock comes from inland flooding, and overall the risk is very low for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Hancock?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hancock to be higher than in 19% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding63%Cold waves27%Everything else10%

By hazard

What Hancock faces

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

Inland flooding

63% of expected damage

Below average · higher than 49% of U.S. places

Recorded about once a year in the area

Cold waves

27% of expected damage

Above average · higher than 50% of U.S. places

Recorded about 2 times a year in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong windLightning

Not a risk here

HurricanesEarthquakesDroughtAvalanchesTsunamisVolcanic 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 Hancock flood?

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

of all homes
are insured

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

Insurance rates: Houghton County.

Disasters that hit Hancock

2 federal disasters brought FEMA money here

Disasters the President declared that paid out in Hancock itself: aid to households, or repair grants to the City of Hancock.

Brought FEMA money into HancockDeclared for Houghton County only

2018

Severe Storms, Flooding, Landslides, and Mudslides

$2.4M to the City of Hancock for repairs

2002

Flooding

$23K to the City of Hancock for repairs

Houghton County has had 7 natural disasters declared since 1953, most often floods and hurricanes.

Around Hancock

Hancock and the towns around it

Very lowLowModerateHighVery high

Hancockmostly inland floodingLow

Quincymostly inland floodingLow

Franklinmostly inland floodingLow

Hancockmostly inland floodingVery low

Portagemostly 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. Hancock covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Hancock’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Hancock. 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 Hancock total about $886K 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.