Natural hazards · Thompson

Thompson, MI natural hazards

Most of the natural-hazard damage FEMA expects in Thompson comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 2 claims here since 2004.

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

Expected damage

How exposed is Thompson?

Moderate

vs. U.S. communities

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

Inland flooding78%Cold waves11%Lightning6%Everything else6%

By hazard

What Thompson faces

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

Inland flooding

78% of expected damage

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

Recorded about once every 28 years in the area

Cold waves

11% of expected damage

Above average · higher than 54% of U.S. places

Recorded about 2 times a year in the area

Lightning

6% of expected damage

Above average · higher than 55% of U.S. places

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windDrought

Not a risk here

HurricanesAvalanchesTsunamisVolcanic 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 Thompson flood?

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

2paid claims since 2004

$10Kpaid to owners

0homes flooded more than once

20042026

of all homes
are insured

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

Insurance rates: Schoolcraft County.

Disasters that hit Thompson

Federal disasters declared here

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

Brought FEMA money into ThompsonDeclared for Schoolcraft County only

Schoolcraft County has had 4 natural disasters declared since 1953, most often hurricanes and freezes.

Around Thompson

Thompson and the towns around it

Very lowLowModerateHighVery high

Thompsonmostly inland floodingModerate

Inwoodmostly inland floodingModerate

Hiawathamostly inland floodingModerate

Gardenmostly 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. Thompson covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Thompson’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Thompson. 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 Thompson total about $1.1M 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.