Natural hazards · Hume

Hume, MI natural hazards

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

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hume to be higher than in 29% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding53%Cold waves30%Everything else17%

By hazard

What Hume faces

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

Inland flooding

53% of expected damage

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

Recorded about once every 2 years in the area

Cold waves

30% of expected damage

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

Recorded about 3 times a year in the area

Lower here

Coastal floodingHurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 Hume flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Huron County.

Disasters that hit Hume

Federal disasters declared here

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

Brought FEMA money into HumeDeclared for Huron County only

Huron County has had 6 natural disasters declared since 1953, most often floods and winter storms.

Around Hume

Hume and the towns around it

Very lowLowModerateHighVery high

Meademostly inland floodingModerate

Humemostly inland floodingLow

Lakemostly inland floodingLow

Dwightmostly inland floodingLow

Port Austinmostly 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. Hume 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 Hume’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Hume. 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.