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Natural hazards · Horton

Horton, MI natural hazards

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

30
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Horton to be higher than in 30% of U.S. communities, mostly from inland flooding and hail.

Inland flooding46%Hail17%Cold waves13%Strong wind10%Tornadoes7%Everything else8%
By hazard

What Horton faces

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

Inland flooding

46% of expected damage
Below average · higher than 37% of U.S. places
Recorded about once every 7 years in the area

Hail

17% of expected damage
Well above average · higher than 96% of U.S. places
Recorded about 2 times a year in the area

Cold waves

13% of expected damage
Below average · higher than 46% of U.S. places
Recorded about 2 times a year in the area

Strong wind

10% of expected damage
Well above average · higher than 86% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

7% of expected damage
Below average · higher than 48% of U.S. places
Recorded about once every 57 years in the area

Lower here

HurricanesIce 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 Horton flood?

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

Disasters that hit Horton

Federal disasters declared here

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

Brought FEMA money into HortonDeclared for Ogemaw County only
Ogemaw County has had 5 natural disasters declared since 1953, most often winter storms and floods.
Around Horton

Horton and the towns around it

West Branch: Very low, mostly inland floodingMills: Low, mostly inland floodingEdwards: Low, mostly inland floodingWest Branch: Very low, mostly inland floodingOgemaw: Low, mostly inland floodingKlacking: Low, mostly inland floodingChurchill: Low, mostly inland floodingRichland: Low, mostly inland floodingNester: Moderate, mostly inland floodingClement: Low, mostly inland floodingHorton: Low, mostly inland flooding HortonWest BranchMillsEdwards
Very lowLowModerateHighVery high
Millsmostly inland floodingLow
Hortonmostly inland floodingLow
Edwardsmostly inland floodingLow
West Branchmostly 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. Horton covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Horton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Horton. 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 Horton total about $950K 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.

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You’re in Horton, MIOgemaw CountyView boundary

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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