Natural hazards · Pine River

Pine River, MI natural hazards

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

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

Expected damage

How exposed is Pine River?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pine River to be higher than in 49% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding56%Tornadoes15%Strong wind12%Cold waves11%Everything else7%

By hazard

What Pine River faces

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

Inland flooding

56% of expected damage

Above average · higher than 62% of U.S. places

Recorded about once every 3 years in the area

Tornadoes

15% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 18 years in the area

Strong wind

12% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 3 times a year in the area

Cold waves

11% of expected damage

Below average · higher than 49% of U.S. places

Recorded about 2 times 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 Pine River flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Gratiot County.

Disasters that hit Pine River

Federal disasters declared here

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

Brought FEMA money into Pine RiverDeclared for Gratiot County only

Gratiot County has had 10 natural disasters declared since 1953, most often floods and winter storms.

Around Pine River

Pine River and the towns around it

Very lowLowModerateHighVery high

Sevillemostly inland floodingHigh

Almamostly inland floodingModerate

St. Louismostly inland floodingModerate

Pine Rivermostly inland floodingModerate

Bethanymostly inland floodingModerate

Arcadamostly inland floodingModerate

Coemostly inland floodingLow

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