Natural hazards · Spaulding

Spaulding, MI natural hazards

Most of the natural-hazard damage FEMA expects in Spaulding comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 62 claims here since 1979.

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

Expected damage

How exposed is Spaulding?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Spaulding to be higher than in 67% of U.S. communities, mostly from inland flooding.

Inland flooding65%Cold waves14%Tornadoes11%Everything else10%

By hazard

What Spaulding faces

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

Inland flooding

65% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about once a year in the area

Cold waves

14% of expected damage

Above average · higher than 53% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

11% of expected damage

Above average · higher than 68% of U.S. places

Recorded about once every 86 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Spaulding flood?

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

62paid claims since 1979

$676Kpaid to owners

7homes flooded more than once

19792026

Biggest named events

2026-04-Flooding: 2 claims, $15K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of all homes
are insured

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

Insurance rates: Saginaw County.

Disasters that hit Spaulding

Federal disasters declared here

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

Brought FEMA money into SpauldingDeclared for Saginaw County only

Saginaw County has had 16 natural disasters declared since 1953, most often floods and severe storms.

Around Spaulding

Spaulding and the towns around it

Very lowLowModerateHighVery high

Jamesmostly inland floodingVery high

Spauldingmostly inland floodingHigh

Saginawmostly inland floodingModerate

Bridgeportmostly inland floodingModerate

Albeemostly inland floodingModerate

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. Spaulding covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Spaulding’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Spaulding. 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 Spaulding total about $822K 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.