Natural hazards · Hart

Hart, MI natural hazards

Most of the natural-hazard damage FEMA expects in Hart 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 Hart?

Very low

vs. U.S. communities

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

Inland flooding45%Strong wind35%Tornadoes6%Winter weather5%Everything else9%

By hazard

What Hart faces

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

Inland flooding

45% of expected damage

Well below average · higher than 14% of U.S. places

Recorded about once every 4 years in the area

Strong wind

35% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about once a year in the area

Tornadoes

6% of expected damage

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

Winter weather

5% of expected damage

Above average · higher than 62% of U.S. places

Recorded about 29 times a year in the area

Lower here

Coastal floodingHurricanesHailIce stormsCold wavesHeat 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 Hart flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Oceana County.

Disasters that hit Hart

2 federal disasters brought FEMA money here

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

Brought FEMA money into HartDeclared for Oceana County only

2026

Severe Storms, Tornadoes, and Flooding

1 household applied for aid

1999

Mi - Severe Weather 1/2 /99

$4K to the City of Hart for repairs

Oceana County has had 11 natural disasters declared since 1953, most often floods and winter storms.

Around Hart

Hart and the towns around it

Very lowLowModerateHighVery high

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