Natural hazards · Hartwick

Hartwick, MI natural hazards

Most of the natural-hazard damage FEMA expects in Hartwick comes from inland flooding, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is Hartwick?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hartwick to be higher than in 22% of U.S. communities, mostly from inland flooding.

Inland flooding53%Strong wind15%Cold waves13%Tornadoes9%Everything else11%

By hazard

What Hartwick faces

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

Inland flooding

53% of expected damage

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

Recorded about once every 3 years in the area

Strong wind

15% of expected damage

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

Recorded about 2 times a year in the area

Cold waves

13% of expected damage

Below average · higher than 41% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

9% of expected damage

Above average · higher than 59% of U.S. places

Recorded about once every 66 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Hartwick flood?

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

of all homes
are insured

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

Insurance rates: Osceola County.

Disasters that hit Hartwick

Federal disasters declared here

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

Brought FEMA money into HartwickDeclared for Osceola County only

Osceola County has had 12 natural disasters declared since 1953, most often floods and winter storms.

Around Hartwick

Hartwick and the towns around it

Very lowLowModerateHighVery high

Hartwickmostly inland floodingLow

Highlandmostly inland floodingLow

Osceolamostly inland floodingLow

Middle Branchmostly inland floodingLow

Rose Lakemostly inland floodingLow

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. Hartwick 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 Hartwick’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Hartwick. 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.