Natural hazards · Home

Home, MI natural hazards

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

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Home to be higher than in 6% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding43%Tornadoes19%Strong wind18%Cold waves9%Everything else10%

By hazard

What Home faces

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

Inland flooding

43% of expected damage

Well below average · higher than 7% of U.S. places

Recorded about once every 3 years in the area

Tornadoes

19% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once every 40 years in the area

Strong wind

18% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 3 times a year in the area

Cold waves

9% of expected damage

Below average · higher than 48% of U.S. places

Recorded about 2 times a year 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 Home flood?

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

of all homes
are insured

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

Insurance rates: Montcalm County.

Disasters that hit Home

Federal disasters declared here

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

Brought FEMA money into HomeDeclared for Montcalm County only

Montcalm County has had 10 natural disasters declared since 1953, most often floods and winter storms.

Around Home

Home and the towns around it

Very lowLowModerateHighVery high

Richlandmostly inland floodingLow

Belvideremostly inland floodingVery low

Rollandmostly inland floodingVery low

Homemostly inland floodingVery low

Daymostly 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. Home covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Home’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Home. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Home total about $1.0M a year, counting buildings, people and crops.

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.