Natural hazards · Stannard

Stannard, MI natural hazards

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

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Stannard to be higher than in 23% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding57%Cold waves28%Everything else16%

By hazard

What Stannard faces

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

Inland flooding

57% of expected damage

Above average · higher than 51% of U.S. places

Recorded about once every 4 years in the area

Cold waves

28% of expected damage

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

Recorded about 4 times a year in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong windLightningDrought

Not a risk here

HurricanesEarthquakesAvalanchesTsunamisVolcanic 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 Stannard flood?

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

of all homes
are insured

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

Insurance rates: Ontonagon County.

Disasters that hit Stannard

Federal disasters declared here

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

Brought FEMA money into StannardDeclared for Ontonagon County only

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

Around Stannard

Stannard and the towns around it

Very lowLowModerateHighVery high

Lairdmostly inland floodingModerate

Stannardmostly inland floodingLow

Interiormostly inland floodingLow

Haightmostly inland floodingLow

Greenlandmostly inland floodingLow

McMillanmostly inland floodingLow

Rocklandmostly 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. Stannard covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Stannard’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Stannard. 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 Stannard total about $679K 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.