Natural hazards · Spalding

Spalding, MI natural hazards

Most of the natural-hazard damage FEMA expects in Spalding comes from cold waves, and overall the risk is very 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 Spalding?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Spalding to be higher than in 12% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves48%Inland flooding39%Everything else13%

By hazard

What Spalding faces

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

Cold waves

48% of expected damage

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

Recorded about 4 times a year in the area

Inland flooding

39% of expected damage

Below average · higher than 32% of U.S. places

Recorded about once every 3 years in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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 Spalding flood?

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

1paid claims since 2026

$71Kpaid to owners

0homes flooded more than once

20262026

Biggest named events

2026-04-Flooding: 1 claim, $71K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Menominee County.

Disasters that hit Spalding

Federal disasters declared here

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

Brought FEMA money into SpaldingDeclared for Menominee County only

Menominee County has had 6 natural disasters declared since 1953, most often floods and hurricanes.

Around Spalding

Spalding and the towns around it

Very lowLowModerateHighVery high

Wellsmostly inland floodingLow

Breenmostly cold wavesLow

Spaldingmostly cold wavesVery low

Harrismostly cold wavesVery low

Meyermostly cold wavesVery low

Nadeaumostly cold wavesVery 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. Spalding covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Spalding’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Spalding. 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 Spalding total about $1.6M 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.