Natural hazards · Mills

Mills, MI natural hazards

Most of the natural-hazard damage FEMA expects in Mills comes from inland flooding, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is Mills?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Mills to be higher than in 36% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding52%Cold waves21%Tornadoes12%Strong wind7%Everything else8%

By hazard

What Mills faces

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

Inland flooding

52% of expected damage

Above average · higher than 57% of U.S. places

Recorded about once a year in the area

Cold waves

21% of expected damage

Above average · higher than 54% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

12% of expected damage

Above average · higher than 67% of U.S. places

Recorded about once every 49 years in the area

Strong wind

7% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Mills flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Midland County.

Disasters that hit Mills

Federal disasters declared here

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

Brought FEMA money into MillsDeclared for Midland County only

Midland County has had 11 natural disasters declared since 1953, most often floods and severe storms.

Around Mills

Mills and the towns around it

Very lowLowModerateHighVery high

Bentleymostly inland floodingModerate

Garfieldmostly inland floodingLow

Millsmostly inland floodingLow

Hopemostly inland floodingLow

Larkinmostly inland floodingLow

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. Mills covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Mills’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Mills. 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 Mills total about $1.0M 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.