Natural hazards · Henderson

Henderson, MI natural hazards

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

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

Expected damage

How exposed is Henderson?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Henderson to be higher than in 8% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding57%Cold waves23%Winter weather5%Everything else15%

By hazard

What Henderson faces

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

Inland flooding

57% of expected damage

Below average · higher than 27% of U.S. places

Recorded about once every 3 years in the area

Cold waves

23% of expected damage

Below average · higher than 31% of U.S. places

Recorded about once a year in the area

Winter weather

5% of expected damage

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

Recorded about 27 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Henderson flood?

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

of all homes
are insured

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

Insurance rates: Wexford County.

Disasters that hit Henderson

Federal disasters declared here

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

Brought FEMA money into HendersonDeclared for Wexford County only

Wexford County has had 5 natural disasters declared since 1953, most often floods and severe storms.

Around Henderson

Henderson and the towns around it

Very lowLowModerateHighVery high

Dovermostly inland floodingLow

Cherry Grovemostly inland floodingLow

Hendersonmostly inland floodingVery low

South Branchmostly inland floodingVery low

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