Natural hazards · Mellen

Mellen, MI natural hazards

Most of the natural-hazard damage FEMA expects in Mellen comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2026.

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

Expected damage

How exposed is Mellen?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Mellen to be higher than in 45% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding56%Cold waves34%Everything else10%

By hazard

What Mellen faces

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

Inland flooding

56% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once every 3 years in the area

Cold waves

34% of expected damage

Above average · higher than 58% of U.S. places

Recorded about 4 times a year 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 Mellen flood?

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

1paid claims since 2026

$104Kpaid to owners

0homes flooded more than once

20262026

Biggest named events

2026-04-Flooding: 1 claim, $104K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Menominee County.

Disasters that hit Mellen

Federal disasters declared here

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

Brought FEMA money into MellenDeclared for Menominee County only

Menominee County has had 6 natural disasters declared since 1953, most often floods and hurricanes.

Around Mellen

Mellen and the towns around it

Very lowLowModerateHighVery high

Wagnermostly cold wavesHigh

Mellenmostly inland floodingModerate

Lakemostly inland floodingModerate

Ingallstonmostly inland floodingLow

Stephensonmostly cold wavesVery low

Menomineemostly 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. Mellen is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Mellen’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Mellen. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.