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. 2 federal disasters brought FEMA money into town.

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?

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

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

2 federal disasters brought FEMA money here

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

Brought FEMA money into OnekamaDeclared for Manistee County only

2026

Severe Storms, Tornadoes, and Flooding

3 households applied for aid $9K aid approved

2008

Severe Storms, Tornadoes, and Flooding

$12K to the Village of Onekama for repairs

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

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 Village 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.

Onekama, MI natural hazards

How exposed is Onekama?

What Onekama faces

Inland flooding

Cold waves

Lightning

Lower here

Not a risk here

Does Onekama flood?

2 federal disasters brought FEMA money here

Severe Storms, Tornadoes, and Flooding

Severe Storms, Tornadoes, and Flooding

How to read this page

Where to, neighbor?

Matches

Nearby