Natural hazards · Overisel

Overisel, MI natural hazards

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

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

Expected damage

How exposed is Overisel?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Overisel to be higher than in 31% of U.S. communities, mostly from inland flooding.

Inland flooding73%Tornadoes9%Strong wind5%Cold waves5%Everything else8%

By hazard

What Overisel faces

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

Inland flooding

73% of expected damage

Above average · higher than 54% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

9% of expected damage

Above average · higher than 59% of U.S. places

Recorded about once every 94 years in the area

Strong wind

5% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about 2 times a year in the area

Cold waves

5% of expected damage

Below average · higher than 42% of U.S. places

Recorded about once 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 Overisel flood?

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

of all homes
are insured

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

Insurance rates: Allegan County.

Disasters that hit Overisel

Federal disasters declared here

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

Brought FEMA money into OveriselDeclared for Allegan County only

Allegan County has had 14 natural disasters declared since 1953, most often floods and winter storms.

Around Overisel

Overisel and the towns around it

Very lowLowModerateHighVery high

Salemmostly inland floodingLow

Heathmostly inland floodingLow

Overiselmostly inland floodingLow

Zeelandmostly inland floodingLow

Fillmoremostly 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. Overisel covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Overisel’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Overisel. 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 Overisel total about $804K 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.