Natural hazards · Indian River

Indian River, MI natural hazards

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

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

Expected damage

How exposed is Indian River?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Indian River to be higher than in 73% of U.S. communities, mostly from inland flooding.

Inland flooding91%Cold waves6%Everything else4%

By hazard

What Indian River faces

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

Inland flooding

91% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once every 9 years in the area

Cold waves

6% of expected damage

Above average · higher than 51% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Indian River flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Cheboygan County.

Disasters that hit Indian River

Federal disasters declared here

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

Brought FEMA money into Indian RiverDeclared for Cheboygan County only

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

Around Indian River

Indian River and the towns around it

Very lowLowModerateHighVery high

Indian Rivermostly inland floodingHigh

Tuscaroramostly inland floodingHigh

Burtmostly inland floodingHigh

Mullettmostly inland floodingHigh

Koehlermostly inland floodingModerate

Ellismostly inland floodingModerate

Mentormostly 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. Indian River 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 Indian River’s own flood-insurance community; household aid to the registrant’s city; repair grants to Indian River. 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.