Natural hazards · Hawes

Hawes, MI natural hazards

Most of the natural-hazard damage FEMA expects in Hawes comes from inland flooding, 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 Hawes?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hawes to be higher than in 15% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding70%Cold waves15%Lightning6%Everything else9%

By hazard

What Hawes faces

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

Inland flooding

70% of expected damage

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

Recorded about once every 7 years in the area

Cold waves

15% 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 45% of U.S. places

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong wind

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 Hawes flood?

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

1paid claims since 2026

$19Kpaid to owners

0homes flooded more than once

20262026

Biggest named events

2026-04-Flooding: 1 claim, $19K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Hawes 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 Hawes

Federal disasters declared here

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

Brought FEMA money into HawesDeclared for Alcona County only

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

Around Hawes

Hawes and the towns around it

Very lowLowModerateHighVery high

Alconamostly inland floodingModerate

Mitchellmostly inland floodingLow

Millenmostly inland floodingLow

Hawesmostly inland floodingVery low

Gustinmostly inland floodingVery low

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