Saugatuck, MI natural hazards
Most of the natural-hazard damage FEMA expects in Saugatuck comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 15 claims here since 1979. 5 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is Saugatuck?
FEMA expects yearly storm and flood damage to homes and buildings in Saugatuck to be higher than in 41% of U.S. communities, mostly from inland flooding.
What Saugatuck faces
Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.
Inland flooding
Tornadoes
Lower here
Not a risk here
Does Saugatuck flood?
Every paid claim on a federal flood insurance policy in Saugatuck, from FEMA’s records.
Homes that flooded again and again
■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times
are insured
5 federal disasters brought FEMA money here
Disasters the President declared that paid out in Saugatuck itself: aid to households, or repair grants to the City of Saugatuck.
Severe Storms, Tornadoes, and Flooding
Flooding
Severe Storms, Tornadoes, and Flooding
Snow
Mi - Severe Weather 1/2 /99
Saugatuck and the towns around it
How to read this page
FEMA’s expected losses across Saugatuck total about $1.2M 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.