Natural hazards · Melrose

Melrose, MI natural hazards

Most of the natural-hazard damage FEMA expects in Melrose comes from inland flooding, 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 Melrose?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Melrose to be higher than in 7% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding53%Cold waves37%Everything else10%

By hazard

What Melrose faces

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

Inland flooding

53% of expected damage

Below average · higher than 26% of U.S. places

Recorded about once every 7 years in the area

Cold waves

37% of expected damage

Below average · higher than 48% of U.S. places

Recorded about once 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 Melrose flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Charlevoix County.

Disasters that hit Melrose

Federal disasters declared here

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

Brought FEMA money into MelroseDeclared for Charlevoix County only

Charlevoix County has had 6 natural disasters declared since 1953, most often floods and ice storms.

Around Melrose

Melrose and the towns around it

Very lowLowModerateHighVery high

Chandlermostly inland floodingVery low

Boyne Valleymostly inland floodingVery low

Melrosemostly inland floodingVery low

Resortmostly inland floodingVery low

Evangelinemostly inland floodingVery low

Bear Creekmostly 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. Melrose covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Melrose’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Melrose. 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 Melrose total about $432K 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.