Natural hazards · Platte

Platte, MI natural hazards

Most of the natural-hazard damage FEMA expects in Platte comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2020.

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

Expected damage

How exposed is Platte?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Platte to be higher than in 30% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding60%Cold waves30%Everything else10%

By hazard

What Platte faces

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

Inland flooding

60% of expected damage

Above average · higher than 61% of U.S. places

Recorded about once every 6 years in the area

Cold waves

30% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about once a year 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 Platte flood?

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

1paid claims since 2020

$35Kpaid to owners

0homes flooded more than once

20202026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Benzie County.

Disasters that hit Platte

Federal disasters declared here

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

Brought FEMA money into PlatteDeclared for Benzie County only

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

Around Platte

Platte and the towns around it

Very lowLowModerateHighVery high

Lakemostly inland floodingLow

Benzoniamostly inland floodingLow

Plattemostly inland floodingLow

Empiremostly inland floodingLow

Homesteadmostly inland floodingLow

Inlandmostly inland floodingLow

Almiramostly 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. Platte covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Platte’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Platte. 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 Platte total about $1.5M 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.