Natural hazards · Mackinaw

Mackinaw, MI natural hazards

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

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

Expected damage

How exposed is Mackinaw?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Mackinaw to be higher than in 16% of U.S. communities, mostly from inland flooding.

Inland flooding81%Cold waves13%Everything else6%

By hazard

What Mackinaw faces

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

Inland flooding

81% of expected damage

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

Recorded about once every 9 years in the area

Cold waves

13% of expected damage

Above average · higher than 51% of U.S. places

Recorded about 2 times a year in the area

Lower here

Coastal floodingHurricanesTornadoesHailIce 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 Mackinaw flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Cheboygan County.

Disasters that hit Mackinaw

Federal disasters declared here

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

Brought FEMA money into MackinawDeclared for Cheboygan County only

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

Around Mackinaw

Mackinaw and the towns around it

Very lowLowModerateHighVery high

Beaugrandmostly inland floodingLow

Mackinawmostly inland floodingVery low

Hebronmostly inland floodingVery low

Mackinaw Citymostly inland floodingVery low

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