Natural hazards · St. Ignace

St. Ignace, MI natural hazards

Most of the natural-hazard damage FEMA expects in St. Ignace comes from inland flooding, and overall the risk is very low for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is St. Ignace?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Ignace to be higher than in 1% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding64%Cold waves25%Everything else12%

By hazard

What St. Ignace faces

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

Inland flooding

64% of expected damage

Well below average · higher than 6% of U.S. places

Recorded about once every 6 years in the area

Cold waves

25% of expected damage

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

Recorded about 2 times a year in the area

Lower here

Coastal floodingHurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 St. Ignace flood?

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

of all homes
are insured

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

Insurance rates: Mackinac County.

Disasters that hit St. Ignace

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in St. Ignace itself: aid to households, or repair grants to the City of St. Ignace.

Brought FEMA money into St. IgnaceDeclared for Mackinac County only

2025

Severe Winter Storm

$267K to the City of St. Ignace for repairs

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

Around St. Ignace

St. Ignace and the towns around it

Very lowLowModerateHighVery high

St. Ignacemostly inland floodingVery low

Moranmostly inland floodingVery low

St. Ignacemostly 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. St. Ignace 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 St. Ignace’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of St. Ignace. 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.