Natural hazards · Norman

Norman, MI natural hazards

Most of the natural-hazard damage FEMA expects in Norman comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2008.

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

Expected damage

How exposed is Norman?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Norman to be higher than in 21% of U.S. communities, mostly from inland flooding.

Inland flooding68%Cold waves12%Lightning6%Everything else15%

By hazard

What Norman faces

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

Inland flooding

68% of expected damage

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

Recorded about once every 2 years in the area

Cold waves

12% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about once a year in the area

Lightning

6% of expected damage

Below average · higher than 34% of U.S. places

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong wind

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 Norman flood?

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

1paid claims since 2008

$31Kpaid to owners

0homes flooded more than once

20082026

of all homes
are insured

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

Insurance rates: Manistee County.

Disasters that hit Norman

Federal disasters declared here

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

Brought FEMA money into NormanDeclared for Manistee County only

Manistee County has had 6 natural disasters declared since 1953, most often floods and severe storms.

Around Norman

Norman and the towns around it

Very lowLowModerateHighVery high

Stronachmostly inland floodingHigh

Elkmostly inland floodingLow

Edenmostly inland floodingLow

Dicksonmostly inland floodingLow

Normanmostly inland floodingLow

South Branchmostly 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. Norman covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Norman’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Norman. 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 Norman total about $583K 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.