Natural hazards · Moffatt

Moffatt, MI natural hazards

Most of the natural-hazard damage FEMA expects in Moffatt comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 14 claims here since 1990.

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

Expected damage

How exposed is Moffatt?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Moffatt to be higher than in 24% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding62%Cold waves16%Strong wind7%Tornadoes6%Everything else10%

By hazard

What Moffatt faces

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

Inland flooding

62% of expected damage

Below average · higher than 47% of U.S. places

Recorded about once every 2 years in the area

Cold waves

16% of expected damage

Below average · higher than 49% of U.S. places

Recorded about 2 times a year in the area

Strong wind

7% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

6% of expected damage

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

Recorded about once every 38 years 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 Moffatt flood?

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

14paid claims since 1990

$657Kpaid to owners

0homes flooded more than once

19902026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Arenac County.

Disasters that hit Moffatt

Federal disasters declared here

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

Brought FEMA money into MoffattDeclared for Arenac County only

Arenac County has had 9 natural disasters declared since 1953, most often floods and winter storms.

Around Moffatt

Moffatt and the towns around it

Very lowLowModerateHighVery high

Bourretmostly inland floodingModerate

Moffattmostly inland floodingLow

Adamsmostly inland floodingLow

Claytonmostly 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. Moffatt covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Moffatt’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Moffatt. 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 Moffatt total about $1.3M 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.