Natural hazards · Homer

Homer, MI natural hazards

Most of the natural-hazard damage FEMA expects in Homer comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 17 claims here since 2004.

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

Expected damage

How exposed is Homer?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Homer to be higher than in 61% of U.S. communities, mostly from inland flooding.

Inland flooding58%Cold waves14%Tornadoes14%Strong wind8%Everything else6%

By hazard

What Homer faces

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

Inland flooding

58% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once a year in the area

Cold waves

14% of expected damage

Above average · higher than 54% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

14% of expected damage

Well above average · higher than 82% of U.S. places

Strong wind

8% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 4 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 Homer flood?

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

17paid claims since 2004

$847Kpaid to owners

5homes flooded more than once

20042026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Midland County.

Disasters that hit Homer

Federal disasters declared here

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

Brought FEMA money into HomerDeclared for Midland County only

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

Around Homer

Homer and the towns around it

Very lowLowModerateHighVery high

Leemostly inland floodingHigh

Homermostly inland floodingHigh

Mount Haleymostly inland floodingModerate

Midlandmostly inland floodingModerate

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. Homer covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Homer’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Homer. 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 Homer total about $2.4M 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.