Natural hazards · Marlette

Marlette, MI natural hazards

Most of the natural-hazard damage FEMA expects in Marlette comes from cold waves, and overall the risk is very low for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Marlette?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Marlette to be higher than in 17% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves49%Inland flooding31%Tornadoes9%Everything else12%

By hazard

What Marlette faces

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

Cold waves

49% of expected damage

Above average · higher than 59% of U.S. places

Recorded about 3 times a year in the area

Inland flooding

31% of expected damage

Below average · higher than 27% of U.S. places

Recorded about once every 3 years in the area

Tornadoes

9% of expected damage

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

Recorded about once every 37 years in the area

Lower here

HurricanesHailIce 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 Marlette flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Sanilac County.

Disasters that hit Marlette

1 federal disaster brought FEMA money here

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

Brought FEMA money into MarletteDeclared for Sanilac County only

2004

Severe Storms, Tornadoes, and Flooding

4 households applied for aid $2K aid approved

Sanilac County has had 10 natural disasters declared since 1953, most often severe storms and winter storms.

Around Marlette

Marlette and the towns around it

Very lowLowModerateHighVery high

Koyltonmostly inland floodingHigh

Lamottemostly cold wavesModerate

Flynnmostly cold wavesLow

Burlingtonmostly inland floodingLow

Burnsidemostly inland floodingLow

Marlettemostly cold wavesVery low

Elmermostly cold wavesVery 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. Marlette covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Marlette’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Marlette. 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 Marlette total about $2.2M 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.