Natural hazards · Mastodon

Mastodon, MI natural hazards

Most of the natural-hazard damage FEMA expects in Mastodon comes from cold waves, 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 Mastodon?

Very low

vs. U.S. communities

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

Cold waves78%Inland flooding14%Everything else9%

By hazard

What Mastodon faces

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

Cold waves

78% of expected damage

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

Recorded about 6 times a year in the area

Inland flooding

14% of expected damage

Well below average · higher than 17% of U.S. places

Recorded about once every 2 years in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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 Mastodon flood?

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

of all homes
are insured

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

Insurance rates: Iron County.

Disasters that hit Mastodon

Federal disasters declared here

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

Brought FEMA money into MastodonDeclared for Iron County only

Iron County has had 5 natural disasters declared since 1953, most often floods and hurricanes.

Around Mastodon

Mastodon and the towns around it

Very lowLowModerateHighVery high

Crystal Fallsmostly cold wavesLow

Mansfieldmostly cold wavesLow

Breitungmostly cold wavesLow

Sagolamostly cold wavesLow

Stambaughmostly cold wavesVery low

Mastodonmostly cold wavesVery low

Florencemostly 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. Mastodon covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Mastodon’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Mastodon. 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 Mastodon total about $2.6M 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.