Natural hazards · Humboldt

Humboldt, MI natural hazards

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

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

Expected damage

How exposed is Humboldt?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Humboldt to be higher than in 50% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding48%Cold waves31%Hail14%Everything else7%

By hazard

What Humboldt faces

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

Inland flooding

48% of expected damage

Above average · higher than 63% of U.S. places

Recorded about once a year in the area

Cold waves

31% of expected damage

Above average · higher than 59% of U.S. places

Recorded about 5 times a year in the area

Hail

14% of expected damage

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

Recorded about once a year in the area

Lower here

TornadoesIce stormsWinter weatherHeat wavesWildfireLandslidesStrong windLightning

Not a risk here

Coastal floodingHurricanesEarthquakesDroughtAvalanchesTsunamisVolcanic 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 Humboldt flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Marquette County.

Disasters that hit Humboldt

Federal disasters declared here

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

Brought FEMA money into HumboldtDeclared for Marquette County only

Marquette County has had 9 natural disasters declared since 1953, most often floods and winter storms.

Around Humboldt

Humboldt and the towns around it

Very lowLowModerateHighVery high

Humboldtmostly inland floodingModerate

Republicmostly inland floodingModerate

Championmostly inland floodingModerate

Elymostly cold wavesLow

Sagolamostly cold wavesLow

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. Humboldt covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Humboldt’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Humboldt. 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 Humboldt total about $1.3M 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.