Natural hazards · Luna Pier

Luna Pier, MI natural hazards

Most of the natural-hazard damage FEMA expects in Luna Pier comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 208 claims here since 1978. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Luna Pier?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Luna Pier to be higher than in 47% of U.S. communities, mostly from inland flooding.

Inland flooding67%Tornadoes11%Cold waves9%Everything else13%

By hazard

What Luna Pier faces

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

Inland flooding

67% of expected damage

Above average · higher than 64% of U.S. places

Recorded about once a year in the area

Tornadoes

11% of expected damage

Well above average · higher than 75% of U.S. places

Cold waves

9% of expected damage

Above average · higher than 58% of U.S. places

Recorded about 3 times a year in the area

Lower here

Coastal floodingHurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Luna Pier flood?

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

208paid claims since 1978

$1.4Mpaid to owners

2homes flooded more than once

19782026

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

🏷️ 10% off flood insurance. Luna Pier is in FEMA’s Community Rating System (class 8) for its flood-proofing work.

Insurance rates: Monroe County.

What’s been done with FEMA grants

21homes raised above flood level

Disasters that hit Luna Pier

2 federal disasters brought FEMA money here

Disasters the President declared that paid out in Luna Pier itself: aid to households, or repair grants to the City of Luna Pier.

Brought FEMA money into Luna PierDeclared for Monroe County only

2023

Severe Storms, Tornadoes, and Flooding

4 households applied for aid $1K aid approved

1999

Mi - Severe Weather 1/2 /99

$3K to the City of Luna Pier for repairs

Monroe County has had 8 natural disasters declared since 1953, most often floods and winter storms.

Around Luna Pier

Luna Pier and the towns around it

Very lowLowModerateHighVery high

Luna Piermostly inland floodingModerate

La Sallemostly inland floodingModerate

Eriemostly 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. Luna Pier 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 Luna Pier’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Luna Pier. 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.