Natural hazards · Sherman

Sherman, MI natural hazards

Most of the natural-hazard damage FEMA expects in Sherman comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2014.

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

Expected damage

How exposed is Sherman?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Sherman to be higher than in 20% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding60%Cold waves17%Tornadoes8%Strong wind7%Everything else10%

By hazard

What Sherman 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

Below average · higher than 40% of U.S. places

Recorded about once every 3 years in the area

Cold waves

17% of expected damage

Below average · higher than 48% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

8% of expected damage

Above average · higher than 55% of U.S. places

Recorded about once every 73 years in the area

Strong wind

7% of expected damage

Well above average · higher than 91% 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 Sherman flood?

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

1paid claims since 2014

$1Kpaid to owners

0homes flooded more than once

20142026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Gladwin County.

Disasters that hit Sherman

Federal disasters declared here

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

Brought FEMA money into ShermanDeclared for Gladwin County only

Gladwin County has had 9 natural disasters declared since 1953, most often severe storms and floods.

Around Sherman

Sherman and the towns around it

Very lowLowModerateHighVery high

Nestermostly inland floodingModerate

Sagemostly inland floodingLow

Shermanmostly inland floodingLow

Franklinmostly inland floodingVery low

Butmanmostly 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. Sherman covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Sherman’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Sherman. 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 Sherman total about $583K 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.