Natural hazards · Springfield

Springfield, MI natural hazards

Most of the natural-hazard damage FEMA expects in Springfield 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 Springfield?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Springfield to be higher than in 24% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding52%Cold waves29%Tornadoes6%Everything else14%

By hazard

What Springfield faces

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

Inland flooding

52% of expected damage

Below average · higher than 49% of U.S. places

Recorded about once every 14 years in the area

Cold waves

29% of expected damage

Below average · higher than 33% of U.S. places

Recorded about once a year in the area

Tornadoes

6% of expected damage

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

Recorded about once every 27 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 Springfield flood?

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

of all homes
are insured

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

Insurance rates: Kalkaska County.

Disasters that hit Springfield

Federal disasters declared here

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

Brought FEMA money into SpringfieldDeclared for Kalkaska County only

Kalkaska County has had 5 natural disasters declared since 1953, most often floods and ice storms.

Around Springfield

Springfield and the towns around it

Very lowLowModerateHighVery high

Springfieldmostly inland floodingLow

Garfieldmostly inland floodingLow

Bloomfieldmostly inland floodingLow

Fife Lakemostly cold wavesVery low

Boardmanmostly 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. Springfield is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Springfield’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Springfield. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.