Natural hazards · Kalkaska

Kalkaska, MI natural hazards

Most of the natural-hazard damage FEMA expects in Kalkaska comes from inland flooding, and overall the risk is very low for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Kalkaska?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Kalkaska to be higher than in 4% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding41%Cold waves37%Tornadoes7%Winter weather6%Everything else9%

By hazard

What Kalkaska faces

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

Inland flooding

41% of expected damage

Well below average · higher than 15% of U.S. places

Recorded about once every 14 years in the area

Cold waves

37% of expected damage

Below average · higher than 33% of U.S. places

Recorded about once a year in the area

Tornadoes

7% of expected damage

Below average · higher than 45% of U.S. places

Recorded about once every 76 years in the area

Winter weather

6% of expected damage

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

Recorded about 33 times a year in the area

Lower here

HurricanesHailIce stormsHeat 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 Kalkaska flood?

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

of all homes
are insured

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

Insurance rates: Kalkaska County.

Disasters that hit Kalkaska

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Kalkaska itself: aid to households, or repair grants to the Village of Kalkaska.

Brought FEMA money into KalkaskaDeclared for Kalkaska County only

2026

Severe Storms, Tornadoes, and Flooding

46 households applied for aid $261K aid approved

Kalkaska County has had 5 natural disasters declared since 1953, most often floods and ice storms.

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. Kalkaska 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 Kalkaska’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Kalkaska. 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.