Natural hazards · Munising

Munising, MI natural hazards

Most of the natural-hazard damage FEMA expects in Munising comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 1 claim here since 1996.

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

Expected damage

How exposed is Munising?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Munising to be higher than in 8% of U.S. communities, mostly from inland flooding and lightning.

Inland flooding54%Lightning19%Cold waves14%Hail10%Everything else4%

By hazard

What Munising faces

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

Inland flooding

54% of expected damage

Well below average · higher than 22% of U.S. places

Recorded about once every 6 years in the area

Lightning

19% of expected damage

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

Cold waves

14% of expected damage

Above average · higher than 50% of U.S. places

Recorded about 2 times a year in the area

Hail

10% of expected damage

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

Recorded about once every 2 years in the area

Lower here

Coastal floodingTornadoesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windDrought

Not a risk here

HurricanesAvalanchesTsunamisVolcanic 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 Munising flood?

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

1paid claims since 1996

$6Kpaid to owners

0homes flooded more than once

19962026

of all homes
are insured

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

Insurance rates: Alger County.

Disasters that hit Munising

Federal disasters declared here

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

Brought FEMA money into MunisingDeclared for Alger County only

Alger County has had 3 natural disasters declared since 1953, most often hurricanes and winter storms.

Around Munising

Munising and the towns around it

Very lowLowModerateHighVery high

Au Trainmostly inland floodingLow

Grand Islandmostly inland floodingLow

Munisingmostly 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. Munising is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Munising’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Munising. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.