Natural hazards · Harrisville

Harrisville, MI natural hazards

Most of the natural-hazard damage FEMA expects in Harrisville comes from inland flooding, and overall the risk is very low for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Harrisville?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Harrisville to be higher than in 9% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding68%Cold waves16%Lightning6%Everything else10%

By hazard

What Harrisville 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

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

Recorded about once every 7 years in the area

Cold waves

16% 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 44% of U.S. places

Lower here

Coastal floodingHurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong wind

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 Harrisville flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Harrisville 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 Harrisville

1 federal disaster brought FEMA money here

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

Brought FEMA money into HarrisvilleDeclared for Alcona County only

2026

Severe Storms, Tornadoes, and Flooding

12 households applied for aid $56K aid approved

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

Around Harrisville

Harrisville and the towns around it

Very lowLowModerateHighVery high

Harrisvillemostly 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. Harrisville 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 Harrisville’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Harrisville. 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.