Natural hazards · Stephenson

Stephenson, MI natural hazards

Most of the natural-hazard damage FEMA expects in Stephenson comes from cold waves, and overall the risk is very low for a U.S. community.

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

Expected damage

How exposed is Stephenson?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Stephenson to be higher than in 12% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves50%Inland flooding37%Everything else13%

By hazard

What Stephenson faces

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

Cold waves

50% of expected damage

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

Recorded about 4 times a year in the area

Inland flooding

37% of expected damage

Below average · higher than 31% of U.S. places

Recorded about once every 3 years in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

HurricanesAvalanchesTsunamisVolcanic 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 Stephenson flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Menominee County.

Disasters that hit Stephenson

Federal disasters declared here

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

Brought FEMA money into StephensonDeclared for Menominee County only

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

Around Stephenson

Stephenson and the towns around it

Very lowLowModerateHighVery high

Lakemostly inland floodingModerate

Mellenmostly inland floodingModerate

Ingallstonmostly inland floodingLow

Stephensonmostly cold wavesVery low

Daggettmostly cold wavesVery 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. Stephenson 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 Stephenson’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Stephenson. 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.