Natural hazards · North Shade

North Shade, MI natural hazards

Most of the natural-hazard damage FEMA expects in North Shade comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is North Shade?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in North Shade to be higher than in 59% of U.S. communities, mostly from inland flooding.

Inland flooding58%Tornadoes15%Strong wind13%Cold waves9%Everything else7%

By hazard

What North Shade faces

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

Inland flooding

58% of expected damage

Above average · higher than 71% of U.S. places

Recorded about once every 3 years in the area

Tornadoes

15% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once every 20 years in the area

Strong wind

13% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 4 times a year in the area

Cold waves

9% of expected damage

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

Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 North Shade flood?

FEMA's records show no paid flood insurance claims in North Shade.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Gratiot County.

Disasters that hit North Shade

Federal disasters declared here

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

Brought FEMA money into North ShadeDeclared for Gratiot County only

Gratiot County has had 10 natural disasters declared since 1953, most often floods and winter storms.

Around North Shade

North Shade and the towns around it

Very lowLowModerateHighVery high

North Shademostly inland floodingModerate

New Havenmostly inland floodingModerate

Fultonmostly inland floodingModerate

Lebanonmostly inland floodingModerate

Bloomermostly 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. North Shade covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to North Shade’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of North Shade. 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 North Shade total about $2.4M 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.