Natural hazards · Roscommon

Roscommon, MI natural hazards

Most of the natural-hazard damage FEMA expects in Roscommon comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2026.

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

Expected damage

How exposed is Roscommon?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Roscommon to be higher than in 33% of U.S. communities, mostly from inland flooding.

Inland flooding67%Cold waves12%Tornadoes7%Everything else14%

By hazard

What Roscommon faces

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

Inland flooding

67% of expected damage

Above average · higher than 58% of U.S. places

Recorded about once every 9 years in the area

Cold waves

12% of expected damage

Below average · higher than 44% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

7% of expected damage

Above average · higher than 52% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Roscommon flood?

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

1paid claims since 2026

$69Kpaid to owners

0homes flooded more than once

20262026

Biggest named events

2026-04-Flooding: 1 claim, $69K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Roscommon County.

Disasters that hit Roscommon

Federal disasters declared here

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

Brought FEMA money into RoscommonDeclared for Roscommon County only

Roscommon County has had 5 natural disasters declared since 1953, most often floods and hurricanes.

Around Roscommon

Roscommon and the towns around it

Very lowLowModerateHighVery high

Lakemostly inland floodingModerate

Nestermostly inland floodingModerate

Roscommonmostly inland floodingLow

Butterfieldmostly inland floodingLow

Hollandmostly inland floodingLow

Dentonmostly inland floodingLow

Franklinmostly inland floodingVery low

Frostmostly 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. Roscommon covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Roscommon’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Roscommon. 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 Roscommon total about $2.4M 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.