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 low for a U.S. community. Flood insurance has paid 7 claims here since 1982.

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

Expected damage

How exposed is Summit?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Summit to be higher than in 26% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding48%Tornadoes28%Cold waves9%Strong wind5%Everything else10%

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

48% of expected damage

Below average · higher than 28% of U.S. places

Recorded about once every 3 years in the area

Tornadoes

28% of expected damage

Well above average · higher than 93% of U.S. places

Cold waves

9% of expected damage

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

Recorded about 2 times a year in the area

Strong wind

5% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 6 times a year 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 Summit flood?

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

7paid claims since 1982

$54Kpaid to owners

1homes flooded more than once

19822026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

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: Jackson County.

Disasters that hit Summit

Federal disasters declared here

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

Brought FEMA money into SummitDeclared for Jackson County only

Jackson County has had 8 natural disasters declared since 1953, most often winter storms and severe storms.

Around Summit

Summit and the towns around it

Very lowLowModerateHighVery high

Blackmanmostly inland floodingLow

Libertymostly inland floodingLow

Jacksonmostly inland floodingLow

Summitmostly inland floodingLow

Napoleonmostly inland floodingLow

Leonimostly inland floodingLow

Spring Arbormostly 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 covers 6 census tracts, combined by population.

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.

FEMA’s expected losses across Summit total about $5.3M 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.