Natural hazards · Onekama

Onekama, MI natural hazards

Most of the natural-hazard damage FEMA expects in Onekama comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 8 claims here since 1986.

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

Expected damage

How exposed is Onekama?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Onekama to be higher than in 12% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding61%Cold waves22%Lightning5%Everything else11%

By hazard

What Onekama faces

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

Inland flooding

61% of expected damage

Below average · higher than 38% of U.S. places

Recorded about once every 2 years in the area

Cold waves

22% of expected damage

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

Recorded about once a year in the area

Lightning

5% of expected damage

Below average · higher than 33% of U.S. places

Lower here

Coastal floodingHurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong wind

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 Onekama flood?

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

8paid claims since 1986

$141Kpaid to owners

1homes flooded more than once

19862026

Homes that flooded again and again

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

of all homes
are insured

No community discount. Onekama 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 Onekama

Federal disasters declared here

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

Brought FEMA money into OnekamaDeclared for Manistee County only

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

Around Onekama

Onekama and the towns around it

Very lowLowModerateHighVery high

Manisteemostly inland floodingLow

Onekamamostly inland floodingVery low

Bear Lakemostly inland floodingVery low

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