Natural hazards · Thomas

Thomas, MI natural hazards

Most of the natural-hazard damage FEMA expects in Thomas comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 83 claims here since 1986.

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

Expected damage

How exposed is Thomas?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Thomas to be higher than in 56% of U.S. communities, mostly from inland flooding.

Inland flooding62%Cold waves15%Tornadoes12%Strong wind5%Everything else6%

By hazard

What Thomas faces

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

Inland flooding

62% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about once a year in the area

Cold waves

15% of expected damage

Above average · higher than 53% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

12% of expected damage

Above average · higher than 68% of U.S. places

Strong wind

5% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 4 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 Thomas flood?

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

83paid claims since 1986

$2.7Mpaid to owners

5homes flooded more than once

19862026

Biggest named events

2026-04-Flooding: 1 claim, $2K

Homes that flooded again and again

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

of all homes
are insured

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

Insurance rates: Saginaw County.

Disasters that hit Thomas

Federal disasters declared here

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

Brought FEMA money into ThomasDeclared for Saginaw County only

Saginaw County has had 16 natural disasters declared since 1953, most often floods and severe storms.

Around Thomas

Thomas and the towns around it

Very lowLowModerateHighVery high

Jamesmostly inland floodingVery high

Saginawmostly inland floodingModerate

Thomasmostly inland floodingModerate

Tittabawasseemostly inland floodingModerate

Swan Creekmostly inland floodingModerate

Richlandmostly inland floodingLow

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. Thomas covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Thomas’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Thomas. 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 Thomas total about $4.6M 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.