Natural hazards · Loud

Loud, MI natural hazards

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

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

Expected damage

How exposed is Loud?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Loud to be higher than in 40% of U.S. communities, mostly from inland flooding.

Inland flooding79%Cold waves9%Everything else11%

By hazard

What Loud faces

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

Inland flooding

79% of expected damage

Above average · higher than 70% of U.S. places

Recorded about once every 14 years in the area

Cold waves

9% of expected damage

Below average · higher than 39% 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 Loud flood?

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

Disasters that hit Loud

Federal disasters declared here

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

Brought FEMA money into LoudDeclared for Montmorency County only

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

Around Loud

Loud and the towns around it

Very lowLowModerateHighVery high

Loudmostly inland floodingModerate

Averymostly inland floodingModerate

Rustmostly inland floodingModerate

Albertmostly inland floodingVery low

Clintonmostly 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. Loud 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 Loud’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Loud. 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.