Natural hazards · Somerset

Somerset, MI natural hazards

Most of the natural-hazard damage FEMA expects in Somerset comes from inland flooding, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is Somerset?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Somerset to be higher than in 22% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding45%Tornadoes26%Cold waves11%Strong wind5%Everything else12%

By hazard

What Somerset faces

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

Inland flooding

45% of expected damage

Below average · higher than 26% of U.S. places

Recorded about once every 6 years in the area

Tornadoes

26% of expected damage

Well above average · higher than 93% of U.S. places

Cold waves

11% of expected damage

Above average · higher than 56% of U.S. places

Recorded about 3 times a year in the area

Strong wind

5% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about 6 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 Somerset flood?

FEMA's records show no paid flood insurance claims in Somerset.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hillsdale County.

Disasters that hit Somerset

Federal disasters declared here

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

Brought FEMA money into SomersetDeclared for Hillsdale County only

Hillsdale County has had 6 natural disasters declared since 1953, most often winter storms and tornadoes.

Around Somerset

Somerset and the towns around it

Very lowLowModerateHighVery high

Moscowmostly inland floodingLow

Libertymostly inland floodingLow

Wheatlandmostly inland floodingLow

Woodstockmostly inland floodingLow

Somersetmostly 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. Somerset covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Somerset’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Somerset. 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 Somerset 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.