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Natural hazards · Muskegon

Muskegon, MI natural hazards

Most of the natural-hazard damage FEMA expects in Muskegon comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 17 claims here since 1985. 4 federal disasters brought FEMA money into town.

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

How exposed is Muskegon?

7
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Muskegon to be higher than in 7% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding57%Tornadoes17%Strong wind13%Cold waves5%Everything else8%
By hazard

What Muskegon faces

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

Inland flooding

57% of expected damage
Well below average · higher than 16% of U.S. places
Recorded about once every 2 years in the area

Tornadoes

17% of expected damage
Above average · higher than 55% of U.S. places

Strong wind

13% of expected damage
Well above average · higher than 94% of U.S. places
Recorded about 2 times a year in the area

Cold waves

5% of expected damage
Below average · higher than 29% of U.S. places
Recorded about once 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 Muskegon flood?

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

17paid claims since 1985
$223Kpaid to owners
2homes flooded more than once
19852026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Muskegon isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Muskegon County.

What’s been done with FEMA grants

1buildings retrofitted against wind
Disasters that hit Muskegon

4 federal disasters brought FEMA money here

Disasters the President declared that paid out in Muskegon itself: aid to households, or repair grants to the City of Muskegon.

Brought FEMA money into MuskegonDeclared for Muskegon County only
2026

Severe Storms, Tornadoes, and Flooding

217 households applied for aid $696K aid approved
2004

Severe Storms, Tornadoes, and Flooding

47 households applied for aid $13K aid approved
2000

Snow

$14K to the City of Muskegon for repairs
1999

Mi - Severe Weather 1/2 /99

$28K to the City of Muskegon for repairs
Muskegon County has had 12 natural disasters declared since 1953, most often floods and severe storms.
Around Muskegon

Muskegon and the towns around it

Muskegon: Very low, mostly inland floodingMuskegon Heights: Very low, mostly inland floodingNorth Muskegon: Very low, mostly inland floodingNorton Shores: Very low, mostly inland floodingLaketon: Very low, mostly inland floodingFruitport: Very low, mostly inland floodingDalton: Very low, mostly inland floodingEgelston: Very low, mostly inland floodingCedar Creek: Very low, mostly inland floodingRoosevelt Park: Very low, mostly inland floodingSpring Lake: Low, mostly inland floodingFruitland: Very low, mostly inland floodingSullivan: Low, mostly inland floodingCrockery: Low, mostly inland floodingMuskegon: Very low, mostly inland flooding MuskegonMuskegonMuskegon HeightsNorth MuskegonNorton ShoresLaketonFruitport
Very lowLowModerateHighVery high
Fruitportmostly inland floodingVery low
Muskegon Heightsmostly inland floodingVery low
Muskegonmostly inland floodingVery low
Norton Shoresmostly inland floodingVery low
Laketonmostly inland floodingVery low
North Muskegonmostly inland floodingVery low
Muskegonmostly 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. Muskegon covers 11 census tracts, combined by population.
Money that reached townFlood claims are matched to Muskegon’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Muskegon. 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 Muskegon total about $5.4M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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