Natural hazards · Standish

Standish, MI natural hazards

Most of the natural-hazard damage FEMA expects in Standish comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 32 claims here since 1983. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Standish?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Standish to be higher than in 21% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding52%Cold waves16%Tornadoes13%Strong wind9%Everything else11%

By hazard

What Standish 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 33% of U.S. places

Recorded about once every 2 years in the area

Cold waves

16% of expected damage

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

Recorded about 2 times a year in the area

Tornadoes

13% of expected damage

Above average · higher than 70% of U.S. places

Recorded about once every 63 years in the area

Strong wind

9% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 3 times a year in the area

Lower here

Coastal floodingHurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Standish flood?

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

32paid claims since 1983

$356Kpaid to owners

2homes flooded more than once

19832026

Homes that flooded again and again

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Arenac County.

What’s been done with FEMA grants

1homes raised above flood level

Disasters that hit Standish

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Standish itself: aid to households, or repair grants to the Township of Standish.

Brought FEMA money into StandishDeclared for Arenac County only

2020

Severe Storms and Flooding

101 households applied for aid $353K aid approved

Arenac County has had 9 natural disasters declared since 1953, most often floods and winter storms.

Around Standish

Standish and the towns around it

Very lowLowModerateHighVery high

Arenacmostly inland floodingLow

Pinconningmostly inland floodingLow

Standishmostly inland floodingLow

Lincolnmostly inland floodingLow

Standishmostly 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. Standish 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 Standish’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Standish. 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.