Natural hazards · Summit

Summit, MI natural hazards

Most of the natural-hazard damage FEMA expects in Summit comes from inland flooding, 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 Summit?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Summit to be higher than in 6% of U.S. communities, mostly from inland flooding.

Inland flooding68%Cold waves8%Strong wind8%Winter weather7%Everything else9%

By hazard

What Summit faces

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

Inland flooding

68% of expected damage

Well below average · higher than 22% of U.S. places

Recorded about once every 3 years in the area

Cold waves

8% of expected damage

Well below average · higher than 19% of U.S. places

Recorded about once a year in the area

Strong wind

8% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once a year in the area

Winter weather

7% of expected damage

Above average · higher than 60% of U.S. places

Recorded about 29 times a year in the area

Lower here

Coastal floodingHurricanesTornadoesHailIce stormsHeat 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 Summit flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Mason County.

Disasters that hit Summit

Federal disasters declared here

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

Brought FEMA money into SummitDeclared for Mason County only

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

Around Summit

Summit and the towns around it

Very lowLowModerateHighVery high

Pentwatermostly inland floodingVery low

Summitmostly inland floodingVery low

Rivertonmostly inland floodingVery low

Pere Marquettemostly 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. Summit 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 Summit’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Summit. 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.