Natural hazards · Moran

Moran, MI natural hazards

Most of the natural-hazard damage FEMA expects in Moran comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 1 claim here since 2017.

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

Expected damage

How exposed is Moran?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Moran to be higher than in 4% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding74%Cold waves18%Everything else8%

By hazard

What Moran faces

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

Inland flooding

74% of expected damage

Well below average · higher than 23% of U.S. places

Recorded about once every 6 years in the area

Cold waves

18% of expected damage

Above average · higher than 52% of U.S. places

Recorded about 2 times a year in the area

Lower here

Coastal floodingHurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Moran flood?

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

1paid claims since 2017

$7Kpaid to owners

0homes flooded more than once

20172026

of all homes
are insured

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

Insurance rates: Mackinac County.

Disasters that hit Moran

Federal disasters declared here

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

Brought FEMA money into MoranDeclared for Mackinac County only

Mackinac County has had 5 natural disasters declared since 1953, most often ice storms and hurricanes.

Around Moran

Moran and the towns around it

Very lowLowModerateHighVery high

Brevortmostly inland floodingVery low

Hendricksmostly inland floodingVery low

St. Ignacemostly inland floodingVery low

Trout Lakemostly inland floodingVery low

Moranmostly inland floodingVery low

St. Ignacemostly 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. Moran covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Moran’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Moran. 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 Moran total about $1.4M 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.