Natural hazards · McKinley

McKinley, MI natural hazards

Most of the natural-hazard damage FEMA expects in McKinley comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 9 claims here since 1986.

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

Expected damage

How exposed is McKinley?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in McKinley to be higher than in 64% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding69%Cold waves26%Everything else5%

By hazard

What McKinley faces

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

Inland flooding

69% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about once every 6 years in the area

Cold waves

26% of expected damage

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

Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce 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 McKinley flood?

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

9paid claims since 1986

$33Kpaid to owners

1homes flooded more than once

19862026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of all homes
are insured

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

Insurance rates: Emmet County.

Disasters that hit McKinley

Federal disasters declared here

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

Brought FEMA money into McKinleyDeclared for Emmet County only

Emmet County has had 5 natural disasters declared since 1953, most often floods and ice storms.

Around McKinley

McKinley and the towns around it

Very lowLowModerateHighVery high

McKinleymostly inland floodingHigh

Centermostly inland floodingHigh

Maple Rivermostly inland floodingHigh

Munromostly inland floodingVery low

Carp 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. McKinley covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to McKinley’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of McKinley. 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 McKinley total about $1.1M 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.