Natural hazards · Mason

Mason, MI natural hazards

Most of the natural-hazard damage FEMA expects in Mason comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 1 claim here since 2022.

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

Expected damage

How exposed is Mason?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Mason to be higher than in 10% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding47%Cold waves15%Tornadoes15%Strong wind12%Hail6%Everything else6%

By hazard

What Mason faces

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

Inland flooding

47% of expected damage

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

Recorded about once every 2 years in the area

Cold waves

15% of expected damage

Below average · higher than 31% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

15% of expected damage

Above average · higher than 65% of U.S. places

Strong wind

12% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about 4 times a year in the area

Hail

6% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Mason flood?

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

1paid claims since 2022

$2Kpaid to owners

0homes flooded more than once

20222026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Cass County.

Disasters that hit Mason

Federal disasters declared here

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

Brought FEMA money into MasonDeclared for Cass County only

Cass County has had 7 natural disasters declared since 1953, most often winter storms and hurricanes.

Around Mason

Mason and the towns around it

Very lowLowModerateHighVery high

Portermostly inland floodingVery low

Calvinmostly inland floodingVery low

Ontwamostly inland floodingVery low

Masonmostly inland floodingVery low

Osolomostly inland floodingVery low

Simonton Lakemostly 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. Mason covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Mason’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Mason. 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 Mason total about $637K 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.