Natural hazards · Monitor

Monitor, MI natural hazards

Most of the natural-hazard damage FEMA expects in Monitor comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 11 claims here since 1996.

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

Expected damage

How exposed is Monitor?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Monitor to be higher than in 47% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding55%Cold waves17%Tornadoes14%Strong wind8%Everything else7%

By hazard

What Monitor faces

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

Inland flooding

55% of expected damage

Above average · higher than 65% of U.S. places

Recorded about once a year in the area

Cold waves

17% of expected damage

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

Recorded about 3 times a year in the area

Tornadoes

14% of expected damage

Well above average · higher than 75% of U.S. places

Strong wind

8% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 4 times a year in the area

Lower here

Coastal floodingHurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 Monitor flood?

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

11paid claims since 1996

$179Kpaid to owners

0homes flooded more than once

19962026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Bay County.

Disasters that hit Monitor

Federal disasters declared here

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

Brought FEMA money into MonitorDeclared for Bay County only

Bay County has had 12 natural disasters declared since 1953, most often severe storms and floods.

Around Monitor

Monitor and the towns around it

Very lowLowModerateHighVery high

Frankenlustmostly inland floodingHigh

Monitormostly inland floodingModerate

Bay Citymostly inland floodingModerate

Bangormostly inland floodingModerate

Williamsmostly inland floodingLow

Kawkawlinmostly 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. Monitor covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Monitor’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Monitor. 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 Monitor total about $4.2M 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.