Natural hazards · Harris

Harris, MI natural hazards

Most of the natural-hazard damage FEMA expects in Harris comes from cold waves, and overall the risk is very low 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 Harris?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Harris to be higher than in 12% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves48%Inland flooding39%Everything else13%

By hazard

What Harris faces

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

Cold waves

48% of expected damage

Above average · higher than 58% of U.S. places

Recorded about 4 times a year in the area

Inland flooding

39% of expected damage

Below average · higher than 32% of U.S. places

Recorded about once every 3 years in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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 Harris flood?

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

1paid claims since 2026

$8Kpaid to owners

0homes flooded more than once

20262026

Biggest named events

2026-04-Flooding: 1 claim, $8K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Menominee County.

Disasters that hit Harris

Federal disasters declared here

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

Brought FEMA money into HarrisDeclared for Menominee County only

Menominee County has had 6 natural disasters declared since 1953, most often floods and hurricanes.

Around Harris

Harris and the towns around it

Very lowLowModerateHighVery high

Cornellmostly inland floodingModerate

Bark Rivermostly inland floodingLow

Wellsmostly inland floodingLow

Escanabamostly inland floodingVery low

Harrismostly cold wavesVery low

Spaldingmostly cold wavesVery low

Gourleymostly cold wavesVery 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. Harris is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Harris’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Harris. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.