Natural hazards · Stephenson

Stephenson, MI natural hazards

Most of the natural-hazard damage FEMA expects in Stephenson comes from inland flooding, and overall the risk is moderate 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 Stephenson?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Stephenson to be higher than in 45% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding56%Cold waves34%Everything else10%

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.

Inland flooding

56% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once every 3 years in the area

Cold waves

34% of expected damage

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

Recorded about 4 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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

1 federal disaster brought FEMA money here

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

Brought FEMA money into StephensonDeclared for Menominee County only

2018

Severe Storms, Flooding, Landslides, and Mudslides

$11K to the City of Stephenson for repairs

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

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 City 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.