Natural hazards · Iron Mountain

Iron Mountain, MI natural hazards

Most of the natural-hazard damage FEMA expects in Iron Mountain comes from cold waves, and overall the risk is very low for a U.S. community. Flood insurance has paid 4 claims here since 1996.

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

Expected damage

How exposed is Iron Mountain?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Iron Mountain to be higher than in 17% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves68%Inland flooding22%Everything else10%

By hazard

What Iron Mountain faces

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

Cold waves

68% of expected damage

Above average · higher than 61% of U.S. places

Recorded about 5 times a year in the area

Inland flooding

22% of expected damage

Below average · higher than 31% of U.S. places

Recorded about once every 2 years in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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 Iron Mountain flood?

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

4paid claims since 1996

$13Kpaid to owners

0homes flooded more than once

19962026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Dickinson County.

Disasters that hit Iron Mountain

Federal disasters declared here

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

Brought FEMA money into Iron MountainDeclared for Dickinson County only

Dickinson County has had 3 natural disasters declared since 1953, most often hurricanes and winter storms.

Around Iron Mountain

Iron Mountain and the towns around it

Very lowLowModerateHighVery high

Breitungmostly cold wavesLow

Iron Mountainmostly cold wavesVery low

Kingsfordmostly cold wavesVery 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. Iron Mountain covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Iron Mountain’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the City of Iron Mountain. 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 Iron Mountain total about $8.9M 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.