Natural hazards · Peninsula

Peninsula, MI natural hazards

Most of the natural-hazard damage FEMA expects in Peninsula comes from cold waves, and overall the risk is very low for a U.S. community. Flood insurance has paid 4 claims here since 1986.

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

Expected damage

How exposed is Peninsula?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Peninsula to be higher than in 6% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves45%Inland flooding41%Everything else14%

By hazard

What Peninsula faces

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

Cold waves

45% of expected damage

Well below average · higher than 21% of U.S. places

Recorded about once a year in the area

Inland flooding

41% of expected damage

Well below average · higher than 23% of U.S. places

Recorded about once every 2 years in the area

Lower here

Coastal floodingHurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Peninsula flood?

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

4paid claims since 1986

$24Kpaid to owners

0homes flooded more than once

19862026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Grand Traverse County.

Disasters that hit Peninsula

Federal disasters declared here

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

Brought FEMA money into PeninsulaDeclared for Grand Traverse County only

Grand Traverse County has had 4 natural disasters declared since 1953, most often floods and hurricanes.

Around Peninsula

Peninsula and the towns around it

Very lowLowModerateHighVery high

Peninsulamostly cold wavesVery low

Traverse Citymostly cold wavesVery 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. Peninsula covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Peninsula’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Peninsula. 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 Peninsula total about $2.1M 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.