Natural hazards · Oliver

Oliver, MI natural hazards

Most of the natural-hazard damage FEMA expects in Oliver 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 Oliver?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Oliver to be higher than in 43% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding57%Cold waves24%Tornadoes6%Strong wind6%Everything else7%

By hazard

What Oliver 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

Above average · higher than 65% of U.S. places

Recorded about once every 2 years in the area

Cold waves

24% of expected damage

Above average · higher than 58% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

6% of expected damage

Above average · higher than 63% of U.S. places

Recorded about once every 36 years in the area

Strong wind

6% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 2 times 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 Oliver flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Huron County.

Disasters that hit Oliver

Federal disasters declared here

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

Brought FEMA money into OliverDeclared for Huron County only

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

Around Oliver

Oliver and the towns around it

Very lowLowModerateHighVery high

Olivermostly inland floodingModerate

Chandlermostly inland floodingModerate

Grantmostly inland floodingLow

Winsormostly inland floodingLow

Colfaxmostly 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. Oliver 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 Oliver’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Oliver. 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.