Natural hazards · Skandia

Skandia, MI natural hazards

Most of the natural-hazard damage FEMA expects in Skandia comes from cold waves, and overall the risk is low for a U.S. community. Flood insurance has paid 8 claims here since 1985.

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

Expected damage

How exposed is Skandia?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Skandia to be higher than in 37% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves43%Inland flooding39%Hail11%Everything else7%

By hazard

What Skandia faces

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

Cold waves

43% of expected damage

Above average · higher than 59% of U.S. places

Recorded about 5 times a year in the area

Inland flooding

39% of expected damage

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

Recorded about once a year in the area

Hail

11% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once a year in the area

Lower here

Coastal floodingTornadoesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

HurricanesAvalanchesTsunamisVolcanic 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 Skandia flood?

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

8paid claims since 1985

$169Kpaid to owners

0homes flooded more than once

19852026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Marquette County.

Disasters that hit Skandia

Federal disasters declared here

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

Brought FEMA money into SkandiaDeclared for Marquette County only

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

Around Skandia

Skandia and the towns around it

Very lowLowModerateHighVery high

Skandiamostly cold wavesLow

West Branchmostly cold wavesLow

Rock Rivermostly inland floodingLow

Limestonemostly inland floodingLow

Chocolaymostly inland floodingLow

Turinmostly inland floodingLow

Forsythmostly cold wavesLow

Onotamostly 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. Skandia covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Skandia’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Skandia. 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 Skandia total about $2.5M 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.