Natural hazards · Kawkawlin

Kawkawlin, MI natural hazards

Most of the natural-hazard damage FEMA expects in Kawkawlin comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 47 claims here since 1983. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Kawkawlin?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Kawkawlin to be higher than in 26% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding56%Cold waves18%Tornadoes11%Strong wind7%Everything else9%

By hazard

What Kawkawlin faces

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

Inland flooding

56% of expected damage

Below average · higher than 43% of U.S. places

Recorded about once a year in the area

Cold waves

18% of expected damage

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

Recorded about 3 times a year in the area

Tornadoes

11% of expected damage

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

Strong wind

7% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 3 times a year in the area

Lower here

Coastal floodingHurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Kawkawlin flood?

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

47paid claims since 1983

$382Kpaid to owners

6homes flooded more than once

19832026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Bay County.

Disasters that hit Kawkawlin

1 federal disaster brought FEMA money here

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

Brought FEMA money into KawkawlinDeclared for Bay County only

2017

Severe Storms and Flooding

20 households applied for aid $52K aid approved

Bay County has had 12 natural disasters declared since 1953, most often severe storms and floods.

Around Kawkawlin

Kawkawlin and the towns around it

Very lowLowModerateHighVery high

Beavermostly inland floodingModerate

Monitormostly inland floodingModerate

Bangormostly inland floodingModerate

Frasermostly inland floodingLow

Kawkawlinmostly inland floodingLow

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. Kawkawlin covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Kawkawlin’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Kawkawlin. 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 Kawkawlin 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.