Natural hazards · Pinconning

Pinconning, MI natural hazards

Most of the natural-hazard damage FEMA expects in Pinconning comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 1986. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Pinconning?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pinconning to be higher than in 28% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding55%Cold waves19%Tornadoes11%Strong wind7%Everything else8%

By hazard

What Pinconning faces

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

Inland flooding

55% of expected damage

Below average · higher than 47% of U.S. places

Recorded about once a year in the area

Cold waves

19% of expected damage

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

Recorded about 3 times a year in the area

Tornadoes

11% of expected damage

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

Recorded about once every 75 years in the area

Strong wind

7% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 3 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 Pinconning flood?

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

2paid claims since 1986

$7Kpaid to owners

0homes flooded more than once

19862026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Bay County.

Disasters that hit Pinconning

2 federal disasters brought FEMA money here

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

Brought FEMA money into PinconningDeclared for Bay County only

2017

Severe Storms and Flooding

31 households applied for aid $134K aid approved

2000

Snow

$2K to the City of Pinconning for repairs

Bay County has had 12 natural disasters declared since 1953, most often severe storms and floods.

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. Pinconning 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 Pinconning’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Pinconning. 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.