Natural hazards · Manistee

Manistee, MI natural hazards

Most of the natural-hazard damage FEMA expects in Manistee comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 6 claims here since 1985.

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

Expected damage

How exposed is Manistee?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Manistee to be higher than in 25% of U.S. communities, mostly from inland flooding.

Inland flooding70%Cold waves14%Lightning5%Everything else11%

By hazard

What Manistee faces

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

Inland flooding

70% of expected damage

Above average · higher than 56% of U.S. places

Recorded about once every 2 years in the area

Cold waves

14% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about once a year in the area

Lightning

5% of expected damage

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

Lower here

Coastal floodingHurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong wind

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 Manistee flood?

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

6paid claims since 1985

$23Kpaid to owners

0homes flooded more than once

19852026

of all homes
are insured

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

Insurance rates: Manistee County.

Disasters that hit Manistee

Federal disasters declared here

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

Brought FEMA money into ManisteeDeclared for Manistee County only

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

Around Manistee

Manistee and the towns around it

Very lowLowModerateHighVery high

Manisteemostly inland floodingHigh

Stronachmostly inland floodingHigh

Eastlakemostly inland floodingHigh

Brownmostly inland floodingLow

Manisteemostly inland floodingLow

Onekamamostly 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. Manistee covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Manistee’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Manistee. 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 Manistee total about $1.7M 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.