Natural hazards · Summerfield

Summerfield, MI natural hazards

Most of the natural-hazard damage FEMA expects in Summerfield comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 1982.

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

Expected damage

How exposed is Summerfield?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Summerfield to be higher than in 48% of U.S. communities, mostly from inland flooding.

Inland flooding64%Strong wind12%Cold waves9%Tornadoes6%Everything else8%

By hazard

What Summerfield 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

Above average · higher than 69% of U.S. places

Recorded about once every 4 years in the area

Strong wind

12% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 2 times a year in the area

Cold waves

9% of expected damage

Below average · higher than 45% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

6% of expected damage

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

Recorded about once every 33 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Summerfield flood?

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

1paid claims since 1982

$2Kpaid to owners

0homes flooded more than once

19822026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Clare County.

Disasters that hit Summerfield

Federal disasters declared here

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

Brought FEMA money into SummerfieldDeclared for Clare County only

Clare County has had 7 natural disasters declared since 1953, most often winter storms and floods.

Around Summerfield

Summerfield and the towns around it

Very lowLowModerateHighVery high

Summerfieldmostly inland floodingModerate

Winterfieldmostly inland floodingModerate

Hollandmostly inland floodingLow

Greenwoodmostly inland floodingVery low

Frostmostly 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. Summerfield covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Summerfield’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Summerfield. 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 Summerfield total about $646K 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.